Senior Financial Analyst

Company:

A well-established brand with a global strategy, that prides itself on making people’s lives easier through frontier technology that creates enabling opportunities.

Culture:

At FLASH, we realise that “the way we do things around here” drives our business and enables us to achieve our purpose of “Making People’s Lives Easier”. Our 3 values are the drumbeat of our business:

We are all in

We have each other’s backs

We are brave

These values help us to make our People’s lives easier by creating a culture where people come to work because it’s a place where they can engage in meaningful work, in a supportive environment where they can be the best version of themselves and achieve the remarkable!

Job Role:

To lead divisional financial analysis, commercial modelling, and strategic planning across Flash Group’s payments and value-added services portfolio, translating complex commercial structures into actionable insights that drive revenue growth, margin optimisation, and operational performance.

Responsibilities:

• Lead the division’s annual budgeting, forecasting, and three-year strategic planning process in collaboration with divisional management, continuously monitoring performance against targets and reforecasting as required.
• Determine, negotiate, and manage downstream commercial structures and settlement terms for partners
• Evaluate and structure upstream commercial terms for new product and service acquisitions.
• Conduct granular commercial agreement modelling, breaking down complex multi-party arrangements into component-level economics to analyse and optimise terms, margins, and profitability.
• Prepare and present investment cases, product viability assessments, and cost-benefit analyses to the Director and Executive Team, supporting strategic decision-making on new initiatives and partnerships.
• Build and maintain performance dashboards and KPI frameworks, ensuring accuracy and integrity of divisional data, and translating analytical insights into actionable recommendations for management.
• Manage and develop a team of financial analysts, providing coaching, performance oversight, and career development support to build analytical capability within the division.
• Collaborate with product, operations, and technology stakeholders to assess product feasibility, design system-based financial controls, and ensure commercial outcomes are reflected accurately in transaction flows.
• Identify and drive opportunities for efficiency improvements and bottom-line enhancement across the division, proactively seeking commercial optimisation levers.
• Oversee divisional risk management in collaboration with the Group risk function, including identification, assessment, and mitigation of financial and operational risks.

Requirements:

• CA(SA) or equivalent professional accounting qualification.
• Bachelor of Accounting Honours degree (or equivalent).
• 7+ years post-articles experience in financial analysis, commercial finance, or a related field.
• Minimum 2 years’ experience managing or mentoring junior analysts.
• Demonstrable experience in payments, fintech, or digital services industries (preferred).
• Working knowledge of databases for large-scale data analysis.
• Experience with Power BI or equivalent data visualisation tools (preferred).

Required Knowledge / Technical Skills:

• Advanced financial modelling and scenario analysis (Required)
• Expert-level Excel skills
• Commercial agreement structuring and margin/unit economics analysis (Required)
• Proficiency in SQL for querying large transactional datasets (Required)
• Understanding of payments infrastructure: transaction flows, settlement, clearing, and reconciliation (Required)
• Power BI or equivalent data visualisation and dashboarding tools (Preferred)
• Knowledge of South African payments ecosystem including aggregation, bill payments, airtime distribution, and voucher platforms (Preferred)

Competencies:

• Commercial Acumen: Ability to assess financial viability, negotiate terms, and structure deals that optimise margins across a complex product portfolio.
• Analytical Thinking: Systematically breaks down complex data and commercial structures to identify trends, risks, and opportunities that inform strategic decisions.
• Stakeholder Influence: Communicates financial insights clearly to non-finance stakeholders, including senior leadership and external partners, to drive alignment and action.
• Attention to Detail: Maintains accuracy and rigour across financial models, dashboards, and reporting, ensuring data integrity underpins all decision-making.
• Strategic Orientation: Connects day-to-day financial analysis to broader divisional and company strategy, proactively identifying growth levers and efficiency gains.
• Adaptability: Thrives in a fast-paced, evolving environment where product portfolios, partner relationships, and commercial structures change frequently.
• People Leadership: Coaches and develops junior analysts, fostering accountability, technical growth, and a culture of continuous improvement.
• Problem Solving: Approaches challenges with a solutions-oriented mindset, balancing speed and thoroughness to deliver actionable outcomes under pressure.

Thank you for your interest in joining our team. We carefully review all applications, and if your qualifications meet our needs, we will contact you within 14 days. If you do not hear from us within this timeframe, please consider your application unsuccessful. We appreciate your understanding and encourage you to apply for future opportunities that match your skills and experience.