Finance & Strategy Associate

About MortgageMarket

MortgageMarket is a high-growth digital home loan fintech reshaping how South Africans access home financing. We're building a connected ecosystem of financial solutions that includes mortgage origination, insurance, real estate, and alternative lending — all powered by technology, data, and human expertise.

Our mission is simple: make homeownership simpler, faster, and more transparent. To get there, we need exceptional people who want to build, improve, and grow with us

About the Role

We're looking for a
Finance & Strategy Associate
to help build and strengthen our financial backbone across all business units. You'll own day-to-day accounting and reporting, ensure compliance and audit readiness, and partner with leadership on strategic and analytical projects. This role is perfect for a designated accounting professional who thrives in fast-moving environments and wants to blend core finance execution with strategic impact.

What You'll Do

Accounting & Financial Operations

• Maintain accurate accounting records for all entities in
  Xero
  , ensuring up-to-date financial data.
• Process and reconcile all transactions: invoices, payments, journals, and intercompany transfers.
• Perform monthly bank, creditor, and debtor reconciliations.
• Prepare monthly management accounts, trial balances, and supporting schedules.
• Standardize chart of accounts and financial processes across the group.

Compliance & Reporting

• Prepare and submit
  VAT returns
  via SARS eFiling.
• Assist with
  PAYE, provisional tax, and UIF
  submissions and reconciliations.
• Ensure reconciliations fully support VAT and compliance filings.
• Maintain compliance calendars and up-to-date entity registration and tax details.

Financial Statements & Audit Preparation

• Prepare
  draft Annual Financial Statements (AFS)
  in line with
  IFRS for SMEs
  .
• Compile audit schedules, reconciliations, and supporting documentation.
• Liaise with external auditors to ensure the group is audit-ready year-round.

Financial Planning & Strategic Support

• Support management with
  financial analysis, budgeting, and forecasting
  .
• Conduct modeling exercises to assess business performance, profitability, and growth scenarios.
• Track and analyze key business and financial
  KPIs
  to uncover trends and risks.
• Develop dashboards and reports to support
  data-driven decision-making
  .
• Partner with business unit leads to optimize margins, cash flow, and capital allocation.

Systems, Processes & Special Projects

• Implement and improve internal financial controls and workflows.
• Support technology integrations between Xero, CRM, and internal systems.
• Assist in special projects: new entity setups, due diligence, and automation initiatives.
• Continuously improve forecasting and reporting tools, methodologies, and processes.

Who You Are

You're a detail-oriented finance professional who loves structure but also thrives in ambiguity. You're comfortable moving between journal entries, financial models, and strategic conversations, and you're motivated by the opportunity to build and improve.

Key Attributes:

• Highly organized, disciplined, and self-directed.
• Strong analytical, problem-solving, and communication skills.
• Proactive and adaptable in a constantly evolving environment.
• Comfortable operating with minimal supervision and high accountability.
• Passionate about fintech, startups, and innovation in financial services.

Who Should Apply

You should apply if:

• You're a
  designated accounting professional
  (CA(SA), CPA, ACCA, CIMA, CMA, or equivalent).
• You have
  3+ years
  of experience in audit, finance, or accounting, ideally in
  financial services, fintech, tech, or professional services
  .
• You have
  strong Xero experience
  and can produce management accounts confidently.
• You enjoy combining financial rigor with strategic thinking.
• You want to grow into a
  Finance Manager or Strategic Finance Lead
  role in a high-growth company.

You should
not
apply if:

• You require heavy supervision or are uncomfortable with startup-level ambiguity.
• You're looking for a narrowly defined role with limited scope.
• You're not comfortable owning multiple deliverables across entities and priorities.

Qualifications & Skills

• Bachelor's degree in finance, accounting, or related field.
• Professional designation:
  CA(SA), CPA, ACCA, CIMA, CMA, or equivalent
  (preferred).
• Strong understanding of accounting principles, VAT, and AFS preparation.
• Advanced proficiency in
  Excel
  and financial modelling.
• Experience preparing financial statements and management reports.
• Strong working knowledge of
  IFRS for SMEs
  and
  SARS compliance
  processes.
• Excellent communication skills and stakeholder management ability.

Why Join Us

• Be part of a fast-growing fintech shaping South Africa's property finance landscape.
• Work directly with senior leadership on strategic projects.
• Gain exposure across multiple business lines (mortgages, insurance, lending, real estate).
• Flexible, remote-first environment with high ownership and autonomy.
• Opportunity to shape financial systems, processes, and controls from the ground up.

How to Apply

No one is 100% perfect, so if you believe you meet most of the above criteria and have value to add, then we encourage you to apply.

If this sounds like the opportunity you've been waiting for, click the
Easy Apply
button or send your CV and a brief cover letter (or short note explaining why you're a great fit) to:

with the subject line: Finance & Strategy Associate – Your Name