New York City, onsite

About Nelo

Nelo is building the credit layer that expands consumer buying power in Mexico.

Today, Nelo serves customers through credit cards, BNPL loans, bill payments, and its own marketplace. The business has grown to more than $80M USD in annual revenue, has raised more than $140M in equity and debt, and is building with real scale and momentum.

Nelo operates across Mexico City and New York City. Our New York team is an important part of that story, working closely with leadership on some of the company’s most important technical and business problems.

The team is lean, technical, and highly driven, with alumni from Uber, Rappi, DiDi, and Amazon. We move fast, stay close to the numbers, and care a lot about quality.

This is a company with real complexity already in motion: lending, credit, capital, growth, and cross-functional execution are all tightly linked. That creates a compelling opportunity for someone strong in strategic finance to do work that is deeply analytical, highly visible, and directly tied to business decisions.

Why Nelo

Nelo is working to solve a meaningful problem in a massive market.

In Mexico, access to consumer credit remains limited, even though demand is enormous. That creates the opportunity to build something with real scale and real economic impact. Nelo is doing that through a mix of credit products, payments, and commerce, all built for a market that has historically been underserved.

This is also a company at an interesting stage. The business has real traction. The product is working. The complexity is increasing. And the finance function matters more and more as the company grows.

If you are excited by the idea of helping shape how a high-growth business plans, invests, and operates, this role gives you that opportunity. You would be working close to the core of the business, helping leadership make better decisions as Nelo scales.

About the role

We are hiring a Strategic Finance Senior Manager to own Nelo’s financial modeling engine.

This is the core quantitative role within Strategic Finance. You will own the company model, scenario planning, and the systems that help leadership understand where the business is headed, what is driving performance, and how outcomes change under different assumptions.

You will report to our VP of Finance, who is based in Mexico. The role is highly cross-functional and will require close partnership with leadership across Finance, Risk, Product, and company operations.

Approximately 50–60% of your time will be spent modeling. The rest will be spent translating model outputs into clear, decision-ready communication, pressure-testing assumptions with stakeholders, and helping leadership make better decisions faster.

This is not a reporting role. You will not just explain what happened. You will help the company understand what is likely to happen next, why, and what to do about it.

You should be the person who knows how the model works at a deep level, where the sensitivities are, which assumptions matter most, and what is changing beneath the surface before anyone else asks.

You will work closely with the VP of Finance and senior leadership, and you will play a central role in board materials, fundraising support, and company-level decision-making.

Why this role matters

Nelo is in an active scaling phase, with increasing complexity across Finance, Credit Risk, Marketplaces, and Operations.

That means the quality of financial modeling matters more now than it did six months ago. Leadership needs a stronger view into growth, profitability, credit performance, and scenario tradeoffs. This role is how that gets built.

If you are good at this work, you will help leadership make better decisions faster. You will improve the company’s ability to plan, communicate, and raise capital with more precision and confidence.

What you will own

• Company financial model
  Build and own the company’s integrated financial model across P&L, balance sheet, and cash flow.
  Model the business at the product level, with clear visibility into revenue, losses, and contribution margin.
  Build cohort-based revenue and credit loss projections, including retention curves and loss assumptions.
  Run base case and downside/upside scenarios across growth, credit, and macro drivers.
  Develop business-unit views that make performance and tradeoffs easier to understand.

• Origination and growth modeling
  Forecast GMV and loan originations by channel, product, and vintage.
  Build and refine LTV models and cohort-level breakeven analysis.
  Track CAC, payback periods, and unit economics in a way that ties clearly back to origination assumptions.
  Identify the operating drivers that matter most and make them visible to leadership.

• Model maintenance and operating rigor
  Refresh and maintain key model inputs on a daily and weekly cadence.
  Monitor approval rates, activation rates, repayment behavior, FPD, and other core unit economic drivers.
  Build and maintain a clean assumption library that is documented, versioned, and auditable.
  Flag gaps between actuals and model expectations early, with clear interpretation of what changed.

• Tooling and dashboards
  Build leadership dashboards for weekly and monthly business review.
  Create self-serve scenario tools that allow non-finance leaders to understand tradeoffs without breaking the model.
  Develop cohort and LTV visualizations that are useful for management, board, investors, and lenders.
  Use Python and AI-assisted workflows to reduce manual work and increase speed and frequency of updates.

• Communication and decision support
  Prepare monthly performance decks and variance commentary.
  Translate model outputs into simple, direct, decision-ready communication.
  Support board materials, fundraising work, and other strategic presentations.
  Create charts and visualizations that are clean, precise, and easy to read.
  Work directly with the VP of Finance and senior leaders to ensure assumptions are accurate and decisions are grounded in the right financial view.

What we’re looking for

• 5+ years of experience in strategic finance, investment banking, private equity, data-heavy finance, or another highly quantitative role in fintech or tech

• Exceptional Excel and financial modeling skills

• Strong Python skills, especially for data manipulation, automation, and finance tooling

• Comfortable writing and debugging SQL for warehouse-based analysis

• Able to build sophisticated models and explain them clearly to non-finance audiences

• Strong operator mindset with high attention to detail

• Comfortable moving quickly without getting sloppy

• Strong business judgment and a sharp feel for what matters in a model versus what is noise

• Strong written and verbal communication skills

• Excellent storytelling instincts: you can turn a complex model into a clear narrative

• Strong visual judgment: you know how to build charts that help people see what matters fast

Strong pluses

• Experience with cohort-based modeling

• Experience with consumer lending, BNPL, credit cards, or fintech unit economics

• Experience supporting board materials, fundraising, or lender/investor reporting

• Experience in fast-moving startup environments where finance has to be both rigorous and pragmatic

• Comfort using AI actively in your workflow to improve speed and quality

What we offer

• Direct ownership of a core strategic function

• High visibility with the VP of Finance and senior leadership

• Work that is central to planning, capital strategy, and company decision-making

Location

This role can be based in our New York City or Mexico City office. The expectation is four days per week in the office and one flex remote day per week.

We are not considering fully remote candidates for this position.

Compensation and benefits

• Base salary: $170-205k USD (NYC office)

• Equity

• Annual performance-based bonus

• Equity refresher opportunities

• 100% medical, dental, and vision coverage for employees

• 50% coverage for dependents

• Unlimited PTO

• 401(k)

• Extended parental leave

• Relocation support where applicable

Interview Process

We aim to make the process thoughtful, efficient, and respectful of your time.

• Initial screening call

• Interview with the hiring manager

• Financial modeling case study

• Onsite with the team

• Fast final decision

Compensation Range: $170K - $205K