NOVACARD , we're redefining how people use credit. first interest-free and no-annual-fee credit card in Mexico ,
designed to simplify personal finances and give users complete control — all from a mobile app. Simple finances, big goals.
to act as the CFO's direct strategic and operational partner and serve as a full deputy across finance workstreams when required. This is a senior finance leadership role with a strong focus on strengthening NOVACARD's analytical core —
budgeting, financial modeling, and unit economics
— while also overseeing management reporting, credit portfolio analytics, treasury and liquidity, and finance team development. You will combine hands-on analytical ownership with senior-level financial leadership, helping translate business and portfolio dynamics into clear financial decisions. The role requires a highly structured finance leader who can build scalable planning and reporting processes, challenge assumptions, maintain rigorous data integrity, and partner effectively with Product, Risk, Marketing, Operations, Legal, investors, and senior management.




annual budgeting and rolling forecast process
budget-to-presente framework , connecting operational and portfolio drivers — including card issuance, activation, portfolio growth, DPD/NPL trends, and credit losses — to P&L;, balance sheet, and cash flow outcomes.
variance and root-cause analysis , identifying deterioration or upside early and translating financial insights into clear management actions.
Continuously improve and automate FP&A; processes through standardized templates, driver-based budgeting, stronger data flows, and shorter planning cycles.
Build and stress-test
new products, pricing changes, and strategic initiatives , including sensitivity, break-even, NPV/IRR, and cost-of-capital analysis.
credit losses, CoR, ECL/IFRS 9, funding costs, and processing/platform expenses
data quality, reconciliation, and traceability
covering P&L;, balance sheet, cash flow, waterfall analyses, port

📌 Director, Financial Consulting Services (Cuajimalpa de Morelos)
🏢 Jsc "novacard"
📍 Cuajimalpa de Morelos