Deskripsi Pekerjaan
Home Credit is seeking an analytical, forward-thinking Senior Commercial Finance Analyst to join our dynamic finance team in Bonifacio Global City (BGC), Metro Manila. In this strategic role, you will act as a key business partner to executive decision-makers, driving sustainable revenue growth and maximizing product margins across our consumer lending portfolio.
You will evaluate unit economics, deliver deep-dive commercial performance reports, and build robust financial models that directly influence commercial strategy, pricing frameworks, and profitability targets. Working in a fast-paced fintech and consumer finance environment, you will bridge the gap between financial intelligence and strategic commercial execution.
Tanggung Jawab
- Prepare and deliver recurring product profitability analyses and commercial performance reports to support executive decision-making.
- Design, maintain, and enhance complex financial models to evaluate product pricing strategies, portfolio margins, and commercial business cases.
- Perform variance and sensitivity analyses comparing actual results against budget and forecasts, identifying margin risks and revenue opportunities.
- Collaborate cross-functionally with Sales, Marketing, and Risk teams to assess commercial feasibility and optimize unit economics for new product launches.
- Develop automated dashboards using Power BI and advanced Excel to track key commercial KPIs and financial metrics.
- Deliver actionable financial recommendations to the Commercial Finance Manager to drive cost optimization and top-line profitability.
Kualifikasi
- Bachelor’s degree in Finance, Accountancy, Economics, or a related quantitative discipline; CPA or CFA progress is a plus.
- 4 to 6 years of progressive experience in commercial finance, FP&A, or business controlling, preferably within consumer finance, banking, or fintech.
- Advanced financial modeling proficiency in MS Excel, with hands-on experience using Power BI, SQL, or related reporting tools.
- Strong grasp of product unit economics, margin optimization, and financial statement analysis.
- Demonstrated ability to translate complex data into concise, strategic insights for non-finance stakeholders.
- Exceptional analytical, problem-solving, and cross-functional stakeholder management skills.