---
title: 'FP&A Manager at Aplazo'
canonical: 'https://feeny.ai/job/fp-a-manager-aplazo-mexico-city-qzn8evavv4r0'
type: 'job'
last_seen: '2026-09-05'
---

# FP&A Manager at Aplazo

- **Company:** Aplazo
- **Location:** Mexico City, Mexico
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-09-03
- **Last confirmed live:** 2026-09-05
- **Apply:** https://jobs.ashbyhq.com/aplazo/2ba63f1d-50a3-40a4-84eb-ecf3264eabe6

## Job description

## About Aplazo

Aplazo is Mexico’s leading “buy now, pay later” platform, giving consumers flexible, transparent payment solutions while helping merchants grow their sales. We’re a fast-growing Series B fintech backed by top global investors, combining technology, data, and design to redefine financial access.

## Role's Mission

The FP&A Manager owns the financial models, forecasts, and analysis that turn Aplazo's numbers into decisions. This role sits at the intersection of Finance, Risk, and the business—building the forecasts leadership relies on, tracking the unit economics that drive the BNPL model, and flagging what's changing before it shows up in the P&L. Reporting to the Finance and Strategy Lead, you'll own core financial processes end-to-end while partnering closely with Commercial, Risk, and Product teams.

## Key Responsibilities

- Financial Reporting: Analyze variances against budget/forecast and identify one-off or extraordinary impacts before they distort the picture.
- Budgeting and Forecasting: Build, update, and defend the monthly forecast and budget-vs-actual cycle that leadership uses to make decisions.
- Financial Modeling: Develop advanced models that project P&L, cash flow, and balance sheet five years out, and maintain unit-economics models that scale as the business grows.
- Unit Economics Analysis: Analyze core BNPL unit economics—GMV, take rate, approval rate, cost of risk—and how they move together.
- Leadership and Board Reporting: Prepare clear, accurate reporting materials on a tight deadline.
- Digital Transformation: Automate and improve reporting, replacing manual spreadsheet work with repeatable, self-serve processes.

## Requirements

Must Have

- 3+ years in FP&A, corporate finance, private equity, or other strategic finance roles
- Advanced Excel/Google Sheets and financial modeling (three-statement models, unit economics)
- Bachelor's in Finance, Economics, Business Administration, Accounting, or related field (or equivalent demonstrable experience)
- Strong written and verbal communication—can explain a variance to a non-finance audience

## Nice to Have

- Experience in fintech, BNPL, lending, or payments
- Python for financial analysis or automation

## Key Skills

- Financial modeling
- Strategic vision
- Precision under deadline
- Results orientation
- Clear communication

Languages

- Spanish (native/advanced)
- English (advanced)

Pro Tip: How do we review your CV? Help us find you!

We filter applications with the help of AI. To ensure your profile is properly evaluated, we recommend describing your experience using the keywords from this job posting.

Personal data collected during the recruitment process will be processed in accordance with the Privacy Notice of Aplaz, S.A. de C.V. (“Aplazo”), available at our Privacy and Policy Notice https://aplazo.mx/privacy-and-policy.

Aplazo does not discriminate on the basis of race, religion, skin color, sex, gender, age, ethnic or national origin, marital status, disability, social or economic status, sexual preferences, or any other condition or characteristic. Selection is based solely on the qualifications and merits of the candidates.

## About Aplazo

## Company Overview
- **One-liner**: Aplazo is a Mexican fintech that provides a buy now, pay later (BNPL) platform enabling consumers to purchase goods in installments without needing a credit card, serving both online and physical merchants.
- **Entity Type**: Private (Series B, $45 million raised in May 2024)
- **Headquarters**: Mexico City, Cuauhtémoc, Mexico City, Mexico
- **Founded**: 2020
- **Founders**: Angel Peña (Co-Founder & CEO) and others (COO also co-founder, but name not disclosed in sources)

## Core Business
- **Primary industry/industries**: Financial technology (BNPL / consumer payments)
- **Target customers**: B2C (underbanked and credit-invisible consumers in Mexico) and B2B (offline and online merchants seeking to increase sales and loyalty)
- **Mission or purpose statement**: To become the preferred payment method in Mexico by making credit more transparent, flexible, and accessible, especially for the large unbanked population.

## Products & Services
- **Aplazo BNPL**: A virtual card that allows shoppers to pay in installments (typically 20% upfront, remainder in fixed payments) without a credit card. Available in-store (more than half of transactions) and online.
- **Merchant Tools**: Integration services and data analytics that help businesses offer installment payments, drive conversion, and build customer loyalty.

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Total equity funding of ~$100 million, with an additional $75 million in committed debt. Revenue reportedly tripled in the past year (as of May 2024), and the company claimed to be near cash-flow breakeven.
- **Notable Investors/Partners**: QED Investors (led Series B), Oak HC/FT, Kaszek, Picus Capital, and Volpe Capital (new investor). Partnerships with nearly 10,000 merchants.
- **Growth Signals**: Revenue tripled year-over-year; delinquency rates cut by half while business more than 3x’d; 40% of users have no credit history, giving Aplazo a unique data advantage; strong presence in physical retail (in-store >50% of transactions).

## Competitive Advantages
- **AI-powered underwriting**: The company uses AI to assess risk per transaction, enabling low delinquency even with limited traditional credit data.
- **Massive underserved market**: Mexico has a large underbanked population (~40% of users have no credit history), making it difficult for international players like Klarna or Affirm to compete.
- **Dual channel (online + offline)**: In-store BNPL is a key differentiator in a market where e-commerce penetration is still low.
- **Data moat**: With ~10,000 merchant relationships and millions of transactions, Aplazo’s data network continues to compound, improving both underwriting and merchant value.

## Strategic Focus
- **Deepen product ecosystem**: Use BNPL as a stepping stone to broader financial services (e.g., credit building, savings, or lending) for both consumers and merchants.
- **Expand merchant network**: Continue onboarding physical and digital retailers, leveraging in-store adoption.
- **Self-funded growth**: With near breakeven status and strong unit economics, the company aims to grow without heavy reliance on future dilution.

## Why Work Here
- **Hybrid work model**: Employees work in a combination of remote and on-site (office in Mexico City). Some roles are fully remote; others require occasional in-office time.
- **Culture of efficiency and AI**: The company emphasizes lean, data-driven operations. Engineering and data science teams are central, with AI embedded across the organization.
- **Growth trajectory**: Revenue tripling and disciplined scaling make it an attractive place for those wanting impact in an emerging market fintech.
- **Notable perks**: Not explicitly listed, but a “high-growth startup” environment with a focus on financial inclusion and real-world impact. Headcount is around 190 (BuiltIn) or 130 (TechCrunch 2024); engineering team of ~65 is a significant portion of the company.

## Sources
1. [aplazo.mx](https://aplazo.mx/)
2. [Built In - Aplazo careers](https://builtin.com/company/aplazo)
3. [TechCrunch - Series B announcement](https://techcrunch.com/2024/05/13/aplazo/)
4. [The Org - Aplazo team structure](https://theorg.com/org/aplazo)

## Other roles at Aplazo

- [Technical Lead Manager](https://feeny.ai/job/technical-lead-manager-aplazo-remote-decyhebaj6t6)
- [Lead Backend Engineer](https://feeny.ai/job/lead-backend-engineer-aplazo-mexico-vf0xftcwe0v2) — Mexico
- [DevOps Tech Lead Manager](https://feeny.ai/job/devops-tech-lead-manager-aplazo-mexico-csrsy925xnwb) — Mexico
- [Creative & Brand Guardian](https://feeny.ai/job/creative-brand-guardian-aplazo-mexico-city-qye7gwfjepj6) — Mexico City, Mexico
- [Senior Software Development Engineer in Test](https://feeny.ai/job/senior-software-development-engineer-in-test-aplazo-mexico-927mzxcm7krf) — Mexico
- [Marketing Specialist](https://feeny.ai/job/marketing-specialist-aplazo-mexico-city-jv6ee9xyny5h) — Mexico City, Mexico
- [Inside Sales Representative](https://feeny.ai/job/inside-sales-representative-aplazo-mexico-city-hst2a5paxr9y) — Mexico City, Mexico
- [Territory Supervisor - Mexico City](https://feeny.ai/job/territory-supervisor-mexico-city-aplazo-mexico-city-xh4jmcdj8qpy) — Mexico City, Mexico
- [Accounting & Tax Manager](https://feeny.ai/job/accounting-tax-manager-aplazo-mexico-city-3hm4k4hy1h24) — Mexico City, Mexico
- [Product Manager, BNPL Online](https://feeny.ai/job/product-manager-bnpl-online-aplazo-mexico-city-76ax2ys4x5xt) — Mexico City, Mexico