WHAT WE DO

Lula is an innovative and human-focused FinTech company on a mission to help small businesses optimise their cash flow. Our purpose is to help SMEs manage their businesses better, faster, and more simply, so they can spend more time doing what they love.
If you’re looking for a new place to call ‘home’ that believes in the potential of the broader SME landscape in South Africa and a place where you’ll work with awesome people - then Lula’s the place for you!

THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR

• CA (SA), CIMA, CFA, or relevant financial qualification preferred.
• 5+ years experience in FP&A, financial analysis, or business partnering, ideally in lending.
• Strong financial modeling, forecasting, and analytical skills – ability to work with complex datasets and build scenario models.
• Experience in unit economics, product/channel profitability analysis, and performance tracking.
• Proven ability to work cross-functionally with sales, credit, marketing, and operational teams.
• Advanced Excel skills; experience with SQL, Power BI (Hex and Snowflake), or financial planning tools is a plus.
• Previous experience in a fast-paced financial services or fintech environment is preferred.

OVERALL PURPOSE

Lula, a rapidly expanding banking and lending firm, is seeking an FP&A Manager to spearhead financial planning and support strategic decision-making.
This role reports to the Head of Finance and will collaborate closely with Heads of Credit, Sales, Business Development, Banking, and Marketing to leverage financial insights for business growth.
We are looking for a commercially minded Finance Business Partner with strong FP&A skills and banking/lending experience for a new, high-potential role working with existing teams to drive commercial success.

RESPONSIBILITIES WILL INCLUDE:

• Financial Planning & Forecasting: Own the 5-year financial forecast, scenario modeling, and annual budgeting used by Investors, Product team, ExCo etc.
• Creating and explaining analysis for Investors, Product team, ExCo and other stakeholders.
• Designing financial models and structuring data to facilitate easy analysis and scenario planning in the future.
• Board & Investor Reporting: Support in preparing and presenting financial presentations for senior management, board meetings, and investors.
• Building financial models that use both historical data and industry metrics to create insightful forecasts.
• Business Partnering: Collaborate with department heads to align financial plans with business objectives and provide financial guidance. Challenge their assumptions, assist in making informed decisions with data, drive business strategy.
• Profitability & Unit Economics: Analyze product and channel profitability, customer acquisition costs vs. lifetime value, and margin optimization.
• Identify, define, and measure KPIs, trends, risks, and opportunities.
• Performance Tracking & Insights: Provide financial reports with clear, actionable insights to leadership.
• Process Improvement: Enhance forecasting accuracy and efficiency with tools.