At R2, we believe that small and medium businesses are the productive engine of society. Small and medium businesses (SMBs) make up over 90% of companies in Latin America, yet they face a trillion-dollar credit gap. Our mission is to unlock SMBs’ potential by providing financial solutions that are tailored to their needs. We are reimagining the financial infrastructure of Latin America - where SMBs financial needs are satisfied without ever having to go to a bank.
R2 enables platforms in Latin America to embed financial services that SMBs can then leverage (starting with revenue-based financing and buy now pay later for business customers). We are a tight-knit team coming from organizations such as Google, Nubank, Uber, McKinsey & Co., Mercado Libre, Globant, J.P. Morgan, Clip, and Ualá. We are backed by world-class investors such as Gradient Ventures (Google’s AI-focused fund), General Catalyst, Y Combinator, Femsa Ventures, PayU, among others.
The R2’s Financial Planning and Analysis (FP&A) team is responsible for owning and managing the company’s financial modeling, budgeting, and reporting processes as well as partnering with the Management Team, Product, Risk, and Growth to drive financially informed decision-making. We're looking for a Strategic Finance and FP&A Lead to work closely with the rest of the Finance team (Capital Markets, FinOps, Controllership, and Treasury) to ensure the business grows with strong financial health.
What you’ll work on
Financial Modeling: Own our financial model and unit economics analyses, measuring and keeping track of key levers and metrics to ensure profitable growth. Unit economics: manage, keep track and update in real time our unit economics, working closely with our Product and Growth teams to evaluate product pricing and with our Risk team to set and review risk appetite by product and partner Portfolio profitability analysis: analyze in real time the financial performance of our most recent loan portfolio vintages by partner and make recommendations to the Management team on key levers to strengthen our portfolio profitability 3-statement Financial model rolling forecasts and funding requirements: manage our financial model and keep it updated each month in line with our company’s North Star, OKRs and most recent vintage performance, helping our Management team to make better strategic decisions in real time. Analyze our monthly burn and determine funding needs and key levers to strengthen our runway estimations Financial Budgeting: Prepare operational budgets to ensure an optimal cash management operation and provide financial guidance to the Management team Monthly budget updates by department: prepare monthly/quarterly/annual budgets for each member of our Management team, providing them with more clarity on their KPIs and financial resources Product roadmap prioritization: work with our Product and Engineering teams to quantify the impact of the initiatives detailed in the company’s product roadmap, helping them prioritize their OKRs and overall work Cash flows and other financial statements projections by subsidiary/country: work closely with our Treasury team to make sure we always have the cash we need at the right bank and country in a timely manner, enabling each of our subsidiaries to secure funding and make payments on time. Additionally, prepare balance sheet and P&L projections by subsidiary/country in sync with our Company’s ERP, providing our Controllership team and our Management team with guidance on each subsidiary’s expected growth and financial performance Financial Control: Evaluate each month the company’s actual revenue generation, cash burn and overall profitability against our budget’s estimations to suggest adjustments in real time, if needed, to the Company’s talent and technology spending, revenue growth and fundraising strategy Monthly analysis of budget variance, by product, partner and department, identifying main drivers of deviation and suggesting adjustments to optimize our company’s runway and portfolio profitability Technology and services expenses monitoring: help R2 teams evaluate software acquisition and third-party providers hiring, leading negotiations with such providers when necessary to get the best possible service, pricing and other conditions Market research: constantly conduct detailed industry and competitive analyses (e.g. 10-K, equity research reports) to understand and provide guidance on best practices, market trends, new technologies, etc. Price Setting: Participate in setting the pricing, structure and other financial terms for current and new products, partnerships or initiatives Reevaluating current partnerships’ economic terms and setting new partnerships pricing structures: work with our Growth team to set profitable economic terms and build the business plan for new partnerships, setting the conditions required for a successful partnership. When needed, participate in the negotiations to improve our economic terms with our current partners New products’ unit economics and business plan: propose pricing structure, unit economics and a business plan for new products to be launched, and collaborate with our Risk and Product teams to prepare a successful product launch Large-scale initiatives: serve as the finance specialist on large-scale initiatives, providing financial oversight and analytical horsepower Financial Reporting: Participate in the preparation of materials guiding our communication with our Executive team, Board of Directors, and debt and equity investors Investor updates for current equity investors and update letters for prospective investors Presentations for the Board of Directors and Executive Team Monitor macro and market developments (debt and equity markets, valuation multiples, interest rate environment, etc.) to provide insights for key strategic decisions Capital Markets Reporting: Support our capital markets operations Debt fundraising: participate in debt fundraising processes, roadshows, and negotiations Weekly operations and reporting: Support our weekly operations between debt funds, Trustees, banks and other servicers, including trust loan assignment and cash flow instructions. Provide required reporting materials such as borrowing base and covenant compliance certificates to debt funds FX hedging: support our FX hedging operations, ensuring to have the best coverage option in place and executing derivatives transactions
Who you are
2+ years of relevant, applied experience in investment banking, private equity, venture capital, or other equivalent finance/investing roles, and 1+ year working in a fast-paced startup environment, ideally in fintech and taking roles in the FP&A, finance, strategy, biz ops or biz dev teams Highly proficient in Excel, with an understanding of model architecture, formula efficiency, data base analyses, etc. Deep business, accounting, and finance acumen Hands-on and Builder/owners’ attitude, with a positive Yes-before-No and solution-oriented mentality Ability to communicate fluently in English and Spanish in spoken and written form Motivated self-starter, with a bias for action, who thrives in a hyper-growth environment Creative problem solver
👉 Strategic FP&A Lead: https://lnkd.in/ec4VvA_G
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