Commercial Finance Analyst

Maya; Mandaluyong; On-site; PHP 600,000 - 800,000; Full time

Job summary

A prominent financial services company in Metro Manila seeks an experienced finance professional with expertise in the Credit Cards industry. The role involves driving financial analysis, supporting Business Units in strategic decisions, and leading financial evaluations of business opportunities. Ideal candidates will have at least 3 years of experience in banking and relevant educational qualifications in Business Administration or Accounting.

Qualifications

• Minimum of 3 years work experience in a bank, preferably in Credit Cards business.
• Strong analytical skills with the ability to derive insights from data.
• Experience in management reporting and strategic decision-making.

Responsibilities

• Drive finance business partnering to enhance management's understanding of financial performance.
• Support Business Units in making aligned and value-maximizing decisions.
• Perform P&L analysis and growth analysis to support business performance.
• Lead financial evaluation for significant business opportunities.

Skills

Financial modeling

Business analysis

Data management

Credit Cards industry knowledge

Education

Graduate of Business Administration or related field

Job description

Overview: An experienced finance professional with a good working knowledge of the Credit Cards industry and products and a background on financial modeling that can support the business in creating business cases and financial models from scratch.

What you will be doing:

• Drive finance business partnering which enhances the understanding of the senior management teams of their key financial performance drivers and business performance issues
• Support the Business Units (BU) to make timely, strategically aligned, and value-maximizing decisions through multi-dimensional analysis within relevant financial and operational business scenarios
• Ensure viability of business cases and promotions. Drive ROI culture through robust pre- and post- business case evaluation
• Perform and provide channel/use case P&L analysis to management and BUs (financial modeling and scenario analysis).
• Perform growth analysis to support forecast and ongoing business performance - market, pricing, volume and initiatives
• Drive gross margin enhancement through net revenue management pillars (pricing, active mix, trade spend & business case management)
• Drive profit through use of financial principles and managing operating expenses with budget owners
• Work with BU leadership teams in the preparation of plans/budgets/forecasts and ensure alignment with management expectations
• Track forecast accuracy and build culture of proactivity and continuous improvement • Ensure commercial controls are in place for sales-related processes
• Implement management monitoring and compliance on commercial terms
• Conduct commercial analysis to pinpoint issues to management team to help drive action plans including business opportunities, risk and mitigation plans
• Lead financial evaluation of significant business opportunities to provide a long-term perspective of the impact on business profitability
• Provide business environment/ competitor analysis (at product level) to the BUs and senior management teams.

What we are looking for:

• Graduate of Business Administration/ Accounting/ Management Accounting/ Economics/ Statistics
• At least 3 years related work experience in a bank, with a background on Credit Cards business
• Experience in data management and reporting strategy (i.e., management reporting)