At Gore Mutual, we’ve always set ourselves apart as a modern mutual that does good. Now, we’re proudly building on that legacy to transform our company—and our industry—for the better.
Effective January 1, 2026, Gore has joined Beneva—the country’s largest mutual insurance company—as part of its Property & Casualty operations in Ontario and Western Canada. During 2026, Gore will combine its operations with Unica Insurance, Beneva’s Ontario-based subsidiary specializing in niche commercial and personal insurance, creating a stronger, more diversified mutual insurer with greater scale and long-term stability.
Every decision and investment remains anchored in long-term benefits to customers, members, and communities. Come join us.
The Senior Financial Analyst, Financial Planning & Analysis (SFA) supports financial planning, forecasting, performance management, and strategic analysis across revenue, claims, expenses, and workforce costs, with a strong focus on insurance‑specific metrics, regulatory requirements, and enterprise risk alignment. The SFA delivers clear, narrative‑driven financial analysis and reporting to support effective decision‑making across the business, with accountability for the full P&L.
Partnering closely with accounting and key stakeholders in the business, the role ensures alignment between management reporting and financial results, supports a smooth financial close, and translates complex data into actionable insights for senior leadership and the Executive Committee, while identifying key performance drivers, emerging risks, and opportunities for continuous improvement.
What you will do:
Performance Management & Reporting
- Prepare key reports, including monthly financial results package and Quarterly Business Review (QBR) materials for senior leadership and the Executive Committee
- Deliver narrative-driven performance reporting, identifying key variance drivers and trends, with a specific focus on the Combined Ratio, Loss Ratio, and Expense Ratio
- Analyze monthly and quarterly results to explain performance relative to plan and prior year, highlighting risks, opportunities, and corrective actions
- Monitor and report on key financial and operational KPIs, ensuring consistency, accuracy, and relevance for decision-making
- Monitor and validate to ensure financial data reported in Power BI reconciles back to GL financials
Planning & Forecasting
- Drive the creation of the annual operating plan and ad hoc forecasting, aligned with:
Corporate objectives
Risk appetite and tolerance
Regulatory and accounting requirements (e.g., IFRS 17, OSFI)
- Drive development of:
Premium and claims budgets
Expense budgets
Workforce plan (FTE budget)
- Provide financial guidance to functional and operational leaders to support strong financial stewardship
- Upload and reconcile budget information within the GL and operational Dashboard in PowerBI
Financial Modelling & Profitability Analysis
- Develop and maintain financial and scenario models to assess business performance and support strategic decision making
- Perform profitability analysis for:
Large accounts
Program business
Strategic initiatives and investments
- Validate assumptions, assess financial risks, and quantify impacts under different scenarios
- Support business case development and evaluation, including changes in scope, benefits, resources, and timelines
What you need to Succeed:
- CPA designation or actively working towards
- Undergraduate Degree is required
- Budgeting and Forecasting 5+ years experience
- Financial Planning and Analysis 5+ years
- Technical Expertise in accounting related to the field 3+ years
- Insurance industry knowledge 3+ years
- Advanced financial analysis and modelling, including budgeting, forecasting, scenario analysis, and profitability assessment across a full P&L
- P&C Insurance and financial acumen, with strong understanding of insurance performance metrics (e.g., Combined Ratio, Loss Ratio, Expense Ratio) and regulatory requirements (e.g., IFRS 17, OSFI)
- Narrative-driven financial reporting, with the ability to translate complex financial results into clear, actionable insights for senior leadership and executive audiences
- Strong communication and stakeholder management skills, with demonstrated comfort interacting with, influencing, and presenting to all levels of the organization, including senior leadership and executives
- Problem solving and analytical thinking, with the ability to identify trends, diagnose issues, and recommend practical, data-driven solutions
- Business partnering mindset, enabling effective collaboration with cross-functional teams across Finance, Operations (Personal and Commercial), Enterprise Risk Management, Data, and Purpose
- Data and systems proficiency, including experience working with ERP systems, Power BI, and underlying financial and operational data to ensure accuracy, reconciliation, and insight generation
- Strong attention to detail and financial discipline, ensuring accuracy, integrity, and consistency of analysis and reporting
- Prioritization and adaptability, with the ability to manage competing demands, shifting priorities, and tight timelines
- Coaching and mentorship capability, supporting the development of analysts and providing technical guidance in areas such as payroll, pensions, commissions, and charitable foundation accounting
Location: This is a hybrid work model that requires you to be in our Cambridge, ON office on Monday’s and Tuesday’s and working from home the remaining 3 workdays
The expected base salary range for this position is $59,500 - $110,000. Depending on your relevant experience, skills, qualifications, market conditions and business needs, base compensation may vary. You have the potential to earn more through Gore Mutual’s discretionary bonus program which gives you an opportunity to increase your total compensation, provided the business meets its performance targets and you meet your individual goals.
Please note: This range reflects the expected base salary for this role but may not represent the full compensation range for all experience and skill levels. During the recruitment process, we will discuss and consider how your unique qualifications align with the broader range for this position.
Gore Mutual is proud to offer a comprehensive total rewards package which includes extended health and dental benefits, disability insurance, retirement plan matching, paid time off, recognition and perk programs.
#INDHP
#LI-HYB
This posting pertains to an existing vacancy that is actively being filled.
Accessibility for applicants
Gore Mutual Insurance Company is committed to providing accommodations for people with disabilities during all phases of the recruiting process, including the application process.
If you require accommodation because of a disability, we will work with you to meet your needs. Contact us and a human resources representative will consult with you to determine an appropriate accommodation.
Should you request an accommodation during the interview process, please notify your Talent Acquisition Consultant.
Skills Required
- CPA designation or actively working towards
- Undergraduate degree
- 5+ years budgeting and forecasting experience
- 5+ years financial planning and analysis experience
- 3+ years technical accounting expertise related to the field
- 3+ years insurance industry knowledge
- Advanced financial analysis and modelling including budgeting, forecasting, scenario analysis, and profitability assessment
- P&C insurance financial acumen and familiarity with Combined Ratio, Loss Ratio, Expense Ratio
- Knowledge of regulatory requirements such as IFRS 17 and OSFI
- Narrative-driven financial reporting and ability to present to senior leadership and executives
- Strong communication and stakeholder management skills
- Problem solving and analytical thinking to identify trends and recommend data-driven solutions
- Business partnering experience across Finance, Operations, Risk, and Data teams
- Data and systems proficiency, including ERP systems and Power BI, and ability to reconcile to GL
- Strong attention to detail and financial discipline
- Ability to prioritize, adapt to shifting priorities and tight timelines
- Coaching and mentorship capability for developing analysts and providing technical guidance
What We Do
Built on a foundation of financial strength for more than 180 years, Gore Mutual Insurance Company is one of Canada’s first property and casualty insurers. With offices in Cambridge, Toronto and Vancouver, Gore Mutual is a Canadian mutual company offering competitive insurance products through trusted broker partners. Every decision and investment made is anchored in the long-term benefits to customers, members and communities. Insurance that does good – this is our Purpose. Grounded in our purpose and guided by our core values, at Gore Mutual, we believe that being good and doing good by our employees, customers and broker partners will benefit not only them but also us—which in turn allows us to spread good in our communities and reward the good we see in others. This is what is driving our work to become a purpose-driven, digitally-led national insurer
