Key Responsibilities:
Finance & Accounts Operations
- Manage month-end and year-end closures.
- Supervise accounts payable and receivable.
- Oversee general ledger, payroll, cash receipts, and utility payments.
- Conduct revenue and expense variance analysis.
- Handle treasury operations including budgeting and cash flow forecasting.
- Track and reconcile capital, fixed assets, and debt servicing.
Financial Reporting & Analysis
- Prepare and consolidate financial statements in line with IND-AS.
- Deliver regular MIS and financial performance reports.
- Analyze key metrics such as yield, cost of borrowing, and Net Interest Margin (NIM).
- Support decision-making through financial modeling and data insights.
Regulatory & RBI Compliance
- Ensure adherence to RBI Master Directions, LCR, ALM, and CRAR norms.
- Liaise with RBI, statutory auditors, and compliance stakeholders.
- Submit accurate and timely disclosures under IND-AS and RBI regulations.
Systems, Controls & Compliance
- Contribute to ERP implementations (Tally, Oracle, SAP).
- Establish and monitor financial controls and risk mitigation systems.
- Automate reconciliation and reporting workflows.
- Compute IND-AS adjustments: EIR, ECL, and EIS.
Fund Management & Borrowings
- Manage working capital and coordinate fund drawdowns.
- Maintain compliance with loan covenants and repayment schedules.
- Handle securitization, Direct Assignment (DA) accounting, and investor reports.
Treasury & ALM Oversight
- Support liquidity profiling and ALM planning.
- Prepare ALCO reports and collaborate with Risk function for alignment.
Budgeting & Operational Finance
- Lead budgeting for disbursements, collections, and operational KPIs.
- Monitor cost-to-income ratios and collaborate with business leaders.
Audit & Governance
- Coordinate internal audits (lending, expenses, vendors).
- Facilitate statutory and RBI audits and close audit points efficiently.
Experience Requirements:
- Strong experience in preparing IND-AS-compliant financial statements (standalone and consolidated).
- Knowledge of IFRS; experience in Saudi Arabia is a plus.
- Practical expertise in taxation, treasury, revenue management, and compliance.
- Experience in board-level MIS and financial presentations.
- Demonstrated background in budgeting, forecasting, and modeling.
