Finance Manager

The Finance Manager leads the day-to-day finance function for Credit Line and the relevant Malaa entities ensuring accurate accounting timely financial and regulatory reporting disciplined liquidity management effective internal controls and compliance with IFRS SAMA CMA ZATCA Saudi Companies Law and approved Group policies The role supports the Group CFO through reliable management information budgeting audit coordination finance-team supervision and continuous process improvement

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…