Finance Manager

1. Financial Planning & Strategy

• Develop, implement, and monitor the company’s financial strategy and long-term financial goals.
• Prepare annual budgets, forecasts, and financial models to support business expansion and investment decisions.
• Conduct regular variance analysis between actual results and budget, providing insights and corrective recommendations.
• Advise management on cost optimization, ROI, and capital allocation to ensure sustainable growth.

2. Financial Reporting & Compliance

• Oversee preparation of monthly, quarterly, and annual financial statements (P&L, Balance Sheet, Cash Flow) in compliance with Singapore Financial Reporting Standards (SFRS).
• Ensure accurate and timely management reports for internal stakeholders.
• Liaise with external auditors, tax agents, and government agencies (IRAS, ACRA) to ensure compliance and statutory filings.
• Maintain proper documentation for ISO, Halal, and audit requirements (if applicable to production or export businesses).

3. Cash Flow & Treasury Management

• Manage cash flow, working capital, and liquidity to support daily operations.
• Oversee banking relationships, negotiate credit facilities, and monitor loan covenants.
• Ensure efficient collections, payments, and expense controls, minimizing idle cash while maintaining reserves for operational needs.
• Implement FX risk management strategies for overseas transactions or expansion.

4. Costing & Profitability Analysis

• Develop and maintain product costing models for items such as macarons, brownies, or oat bars.
• Analyze gross margin by SKU, customer segment, and sales channel (e.g., B2B vs. online retail).
• Identify cost-saving opportunities in procurement, production, and logistics.
• Support pricing decisions and promotional campaigns with profitability insights.

5. Systems, Controls & Process Improvement

• Strengthen internal controls across finance, procurement, and inventory management.
• Oversee the implementation and continuous improvement for financial accuracy and efficiency.
• Ensure data integrity between accounting software (e.g., Xero, QuickBooks) and e-commerce/OMS systems.
• Drive automation initiatives to improve reporting speed and accuracy.

6. Team Leadership & Development

• Lead and mentor the finance and accounts team, fostering accountability and high performance.
• Provide training on financial literacy to non-finance departments (e.g., sales, marketing, operations).
• Collaborate cross-functionally with management, HR, and operations on business planning and performance reviews.

7. Investor Relations & Corporate Development (for expanding companies)

• Prepare financial models, projections, and investment decks for investors or lenders.
• Support fundraising activities, including due diligence, valuation, and capital structuring.
• Maintain transparent communication with shareholders or potential investors on financial performance and outlook.

8. Risk Management

• Identify and mitigate financial, operational, and compliance risks.
• Ensure proper insurance coverage, fraud prevention, and adherence to financial policies.
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