Finance Manager

Key Responsibilities

• Own the general ledger and monthly, quarterly, and annual close, including journal review, accruals, provisions, prepayments, depreciation, amortisation, reclassifications, and consolidation submissions.
• Prepare and review management accounts, statutory financial statements, balance-sheet reconciliations, cash-flow reporting, and analysis of material movements and variances.
• Ensure appropriate IFRS accounting for financing activities, revenue and fees, financial instruments and ECL, leases, intangible assets, related parties, provisions, and entity-specific transactions.

• Coordinate annual budgets, rolling forecasts, long-range plans, and monthly budget-versus-actual reporting across business and support functions.
• Challenge assumptions, validate inputs, and provide financial insight on profitability, pricing, investments, operating costs, capital requirements, and resource allocation.
• Develop and monitor financial and operational KPIs, identify adverse trends, and recommend timely corrective actions to management.

• Manage daily cash positioning, liquidity forecasts, funding requirements, payment planning, bank accounts, authorised signatories, and treasury controls.
• Review bank, collection, disbursement, payment-gateway, broker, custodian, portfolio, and intercompany reconciliations, as applicable.
• Ensure reconciling items are investigated, assigned, aged, and cleared promptly, with significant liquidity or settlement risks escalated to the Group CFO.

• Coordinate accurate and timely SAMA, CMA, and other regulatory returns, ensuring reconciliation to the general ledger, documented data lineage, review evidence, and maker-checker controls.
• Oversee VAT, withholding tax, zakat or corporate tax schedules and filings, including correct treatment of domestic and cross-border transactions and complete supporting documentation.
• Monitor relevant regulatory and tax developments and support SAMA, CMA, ZATCA, and other inspections, assessments, audits, and information requests.

• Oversee vendor onboarding, purchase orders, invoice processing, employee expenses, payment runs, vendor master data, and open-commitment reporting.
• Ensure budget availability, contract validation, three-way matching, correct cost-centre and tax treatment, and approvals in accordance with the Delegation of Authority.
• Enforce segregation of duties, maker-checker controls, supporting-document standards, payment cut-offs, and timely monitoring of payables, accruals, and outstanding purchase orders.

• Maintain finance policies, procedures, process narratives, risk and control matrices, close checklists, and evidence that key controls have operated effectively.
• Lead finance support for internal and external audits, prepare schedules and technical responses, and ensure timely remediation of audit, regulatory, tax, and control findings.
• Identify control gaps, data-quality issues, process weaknesses, and system limitations; agree corrective actions and track implementation to completion.

• Oversee effective use of the accounting or ERP system, chart of accounts, master data, posting rules, user access, interfaces, workflows, and period controls.
• Define finance requirements for new products, system enhancements, reporting tools, and integrations, and participate in testing and implementation.
• Improve close speed, reporting accuracy, audit trails, reconciliation efficiency, and scalability through standardisation, automation, and clear source-to-report documentation.

• Supervise, coach, and develop finance staff; allocate work, set deadlines and quality standards, and review deliverables before submission.
• Act as the principal finance contact for Operations, Credit, Risk, Compliance, Technology, Procurement, Human Resources, and other business functions.
• Communicate financial results and regulatory implications clearly, provide constructive challenge, and escalate material accounting, liquidity, tax, control, or compliance matters promptly.

Qualifications and Experience

• Bachelor’s degree in Accounting, Finance, or a related discipline. A recognised professional qualification, or active progress toward SOCPA, ACCA, ACA, CPA, CMA, CIMA, or equivalent, is strongly preferred.  
• At least 6 years of progressive finance and accounting experience, including supervisory responsibility. Experience in a Saudi finance company, bank, fintech, investment business, or other regulated financial institution is strongly preferred.
• Demonstrated experience in IFRS reporting, period-end close, budgeting, regulatory reporting, treasury, tax compliance, audit coordination, internal controls, and multi-entity or intercompany accounting.

• Strong practical knowledge of IFRS, SAMA/CMA reporting expectations, Saudi VAT and withholding tax, and the control environment of regulated financial institutions.
• Advanced Microsoft Excel and strong accounting or ERP-system capability; able to prepare reconciliations, financial models, management reports, accounting papers, policies, and regulatory responses.
• High integrity, sound judgement, attention to detail, commercial awareness, and the ability to lead multiple deadlines in a fast-paced regulated environment. Fluency in English is required; Arabic is an advantage.

• Timely and accurate financial, management, regulatory, and tax reporting; complete balance-sheet reconciliations; reliable liquidity visibility; compliance with the DoA and control requirements; timely closure of findings; and measurable improvements in finance efficiency, data quality, and team capability.