Strategic Finance, Senior Manager

About Nelo

Nelo is a leading fintech in Mexico reimagining credit to expand consumer buying power. Founded in 2019 by former Uber international growth team leads Kyle Miller and Stephen Hebson, Nelo offers credit cards, BNPL loans, bill payments, and its own marketplace — all under one app — designed from first principles for a mobile-first, real-time payments world.

With $100M in annual revenue, $1B in annualized GMV, and $140M+ raised in equity and debt, Nelo is one of the most capital-efficient consumer fintech companies in Latin America. The company is profitable — positive operating profit in both 2024 and 2025. It runs lean and technical: 60 employees, 8 engineers, with AI driving underwriting, collections, and operations.

• HQ: Mexico City, Mexico; commercial and people operations in New York City

• Founded: 2019

• Team size: 60 FTEs

• Open roles: 10+

• Website: nelo.mx

• Stage: Post-Series A; $100M credit facility (Victory Park Capital, 2022); profitable

• Benefits: 401k, open PTO, medical, dental, vision, STD, LTD, fertility

Company values:

• Be your best selves: ambition, hard work, intellectual curiosity

• Everyone is an owner: all employees receive equity including customer support; 10-year option expiration; equity refreshers

• Customer first: product decisions grounded in customer benefit

• Open and honest communication: quarterly financials and board presentations shared company-wide; low tolerance for bureaucracy or gossip

• Move fast, learn fast: hundreds of experiments run monthly; rigorous experimentation culture

Role Overview

We are looking for a Strategic Finance (Senior) Manager to own Nelo's financial modeling engine. This is the core quantitative role within Strategic Finance: you will be responsible for the company model, all scenario planning, and the tooling that helps leadership and operators understand where growth is headed, how revenue is tracking, and what the business looks like under different assumptions.

Approximately 50-60% of your time will be spent modeling. The rest will be spent translating model outputs into clear, decision-ready communication for founders, board, and senior management. This role is instrumental to the Company’s storytelling and is core to the creation of board decks and corporate presentations, with extensive exposure to C-level executives and investors.

This is not a reporting role. You will own the underlying assumptions and input variables, monitor them in near real time, and update the model as the business evolves. You will know why every line moves before anyone asks.

What You Will Own

Company Financial Model

• P&L, balance sheet, and cash flow fully integrated at the product level

• Loan origination model by product

• Cohort-based revenue and loss projection, including retention curves and credit loss assumptions

• Base case and scenario planning across macro, credit, and growth dimensions

• Business unit P&L with clear contribution margin visibility

Origination and Growth Modeling

• Statistical forecasting of GMV and loan originations by channel and vintage

• LTV modeling and cohort-level breakeven analysis

• CAC and payback period tracking tied to origination assumptions

Model Maintenance and Real-Time Tracking

• Daily and weekly refresh of key model inputs: approval rates, activation rates, repayment rates, FPD, unit economics

• Assumption library: documented, versioned, and auditable

• Alerts and triggers when actuals diverge from the model

Tooling and Dashboards

• Monthly and weekly performance dashboards for leadership and the board

• Self-serve scenario analysis tools for non-finance stakeholders

• Cohort and LTV visualization for investor and lender consumption

• Python and AI-assisted automation to reduce manual work and increase update frequency

Communication

• Monthly performance decks with variance commentary

• Narrative synthesis of model outputs: simple, direct, and decision-ready

• Direct interface with founders and senior management

• Storytelling: translate complex model outputs into a clear narrative that non-finance stakeholders can understand and act on

• Charting: design clean, precise charts and visualizations that make data immediately readable for leadership, board, and investor audiences
  

Who You Are

• 5 or more years in a data, finance, or quantitative role at a fintech or tech company

• Expert-level Excel and financial modeling; you build complex models and explain them simply

• Strong Python skills: you use it for data manipulation, model automation, and dashboard tooling

• Comfortable writing and debugging SQL for data pulls from a warehouse (Athena, BigQuery, or similar)

• You use AI actively in your workflow, not as an afterthought

• You work with speed and precision; attention to detail is not a trade-off for you

• You communicate outcomes clearly to non-technical audiences, in writing and in person

• You are a strong storyteller: you can take a complex model and turn it into a clear, compelling narrative that drives decisions

• You produce clean, precise charts and visualizations; you know which chart type fits which insight and you design for the audience, not for yourself

• Experience with cohort-based modeling, LTV analysis, or consumer lending economics is a strong plus

What We Offer

• Direct ownership of a core strategic function with founder-level exposure

• Accelerated learning alongside experienced fintech operators

• Competitive compensation and equity

• Medical and dental insurance

• Unlimited PTO

• Relocation support if applicable

• A high-performing team that values trust, speed, and outcomes