Senior Finance & Management Accountant – Fintech

Optimal Innovation | Posted Feb 23

Full-time

Negotiable

Advanced (5-10 yrs)

The Senior Finance & Management Accountant will own day-to-day financial management, bookkeeping oversight, reconciliations, and management reporting for TNW’s fintech operations.

The role works closely with our external accounting team in India but remains accountable internally for financial accuracy, visibility, and control.

The objective is simple: ensure clean books, strong cash discipline, reliable reconciliations, and clear financial insight across all fintech products.

• Bookkeeping Oversight & Reconciliation Control
• Review and validate bank reconciliations and settlement reconciliations prepared by the external accounting team.
• Ensure ledger accuracy across wallets, PSPs, merchant settlements, and bank accounts.
• Identify and resolve discrepancies in a structured and timely manner.
• Ensure monthly close is completed accurately and on time.
• Maintain audit-ready financial records.
• Management Reporting & Financial Insight
• Prepare monthly P&L by product line (Netwallet, PayTNW, G2C, Manual Bank Transfers).
• Analyse revenue, margins, settlement costs, PSP fees, and operating expenses.
• Identify cost inefficiencies and revenue leakage.
• Convert accounting outputs into clear management reports with insight, not just numbers.
• Present structured monthly management packs to leadership.
• Cash Flow & Treasury Management
• Monitor daily liquidity position across all accounts.
• Maintain rolling 3-month cash flow forecast.
• Ensure sufficient working capital to support operations and settlements.
• Review and approve payment requests before release.
• Prevent duplicate, unauthorised, or unsupported payments.
• Financial Controls & Governance
• Implement and enforce approval workflows for payments.
• Review high-value transfers and settlement batches.
• Ensure segregation of duties and maker–checker discipline.
• Flag financial risk exposure immediately.
• Improve financial reporting structure and control processes over time.
• Budgeting & Forecasting
• Support annual budgeting process.
• Track actual vs budget performance monthly.
• Forecast revenue and cost trends based on transaction volumes.
• Highlight overspend and corrective actions.
• Compliance & Payroll Oversight
• Coordinate with external accountants on VAT compliance in the UAE.
• Support audit preparation and documentation.
• Review payroll inputs before processing.
• Verify EOSB calculations in line with UAE Labour Law.
• Ensure timely processing of employee settlements and reimbursements.
• Key Result Areas (KRAs)
• Accurate and timely monthly financial reporting
• Clean and validated reconciliations
• Zero material unresolved financial variances
• Strong liquidity discipline
• Improved financial visibility at product level
• Reduced cost leakage and control gaps
• Audit-ready financial records at all times

• 5+ years’ experience in finance or accounting, preferably in fintech, payments, or high-volume transaction environments.
• Strong experience in reconciliations, treasury control, and management reporting.
• Understanding of PSP settlements, transaction flows, and liquidity management preferred.
• Strong Excel and reporting capability.
• Clear written and verbal English. Hindi is an advantage.

• Strong attention to financial detail
• Structured and disciplined
• Commercially aware, not just compliance-focused
• Comfortable working in a fast-moving fintech environment
• High ownership and accountability