Senior Finance Manager overseeing Finance Operations and Financial Planning & Analysis at Mercuryo, a fintech startup in Croatia.
Responsibilities
Oversee daily liquidity across banks, acquirers, exchanges, and wallets, including review of funding requirements and liquidity forecasts to ensure operational continuity.
Approve and supervise fund transfers between banks, exchanges, and wallets.
Own month-end financial data integrity, including review and approval of acquirer, bank, exchange, wallet, and data warehouse postings.
Review and approve reconciliations (banks, exchanges, wallets, clearing accounts), investigate discrepancies, and ensure completeness and accuracy prior to reporting submission.
Act as bank payment approver and maintain strong segregation of duties.
Oversee and control access rights across financial platforms.
Identify, mitigate, and escalate liquidity and operational risks.
Support monthly management reporting with accurate and timely financial and performance analysis.
Deliver clear variance analysis explaining deviations from budget and forecast, and recommend corrective actions.
Monitor overheads versus budget and partner with budget owners to drive cost discipline.
Assist in Quarterly Forecasting, Annual Budgeting, and Long-Term Strategic Planning, continuously improving analytical processes.
Develop and maintain product unit economics and customer profitability analysis.
Perform segmental (e.g., jurisdictional) and margin analysis, including pricing reviews and transaction mix evaluation.
Provide financial evaluation of contractual terms and pricing strategies for existing and new products.
Act as a proactive finance business partner, collaborating cross-functionally to improve processes and drive sustainable financial performance.
Requirements
Qualified accountant (ACA / ACCA / CIMA or equivalent) preferred
5+ years of experience in Financial Control, FinOps, or FP&A
Strong experience in liquidity management, reconciliations, and month-end close
Solid background in budgeting, forecasting, and financial modelling
Experience with product profitability, margin, or pricing analysis
Advanced Excel / Google Sheets; experience with ERP and BI tools is a plus
Strong understanding of financial statements, internal controls, and risk management
Analytical mindset with high attention to detail and ability to translate data into business insights
High ownership, accountability, and ability to operate in a fast-paced environment
Experience in fintech, payments, or high-volume transactional businesses is an advantage.
Benefits
Competitive market rate salary and performance-based incentives
22 days annual leave with an additional 6 company days, plus bank holidays
Comprehensive health insurance plans
Extensive Benefits program
Flexible work schedule and remote work options
Professional development and training opportunities
Opportunity to shape the initiatives you’re working on
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