Senior Finance Analyst | Financial Services | Dubai

• Deliver robust, decision-ready financial models and consolidated projections (P&L, Balance Sheet, Cash Flow, and Medium-Term Funding Plan) to support strategic planning funding execution and applicable funding costs.
• Ensure accurate and aligned Direct Cash Flow (DCF) forecasts in line with the approved annual budget and quarterly forecasts, strengthening funding visibility and predictability.
• Provide actionable monthly performance analysis of Balance Sheet, Cash Flow and funding costs vs budget/forecasts with clear recommendations to optimize cost of funds, funding mix, and balance sheet efficiency.
• Proactively evaluate and support in optimization of capital and funding structures across all FS entities to enhance returns, reduce funding costs, and improve leverage efficiency.
• Assess the funding impact of capital expenditure, investment decisions, and portfolio changes, providing forward-looking insights to management.
• Support the successful execution of short-term and long-term funding transactions aligned to forecasted cash flow requirements through seamless coordination with the Global Treasury Centre (GTC).
• Monitor and deliver forward-looking insights on capital adequacy, liquidity positioning, and funding capacity, enabling informed strategic and risk-based decision-making.
• Prepare and review bi-weekly cash flow forecasts for Financial Services entities through the Group Anaplan system, ensuring full stakeholder alignment and forecast reliability.
• Ensure compliance with approved annual debt limits and facility covenants, proactively identifying and mitigating potential breaches.
• Drive liquidity optimization initiatives in partnership with business teams to enhance cash efficiency, exceed budget targets, and strengthen working capital performance.
• Maintain real-time visibility of daily cash positions and surplus balances, ensuring seamless funding of operational requirements and scheduled debt servicing obligations.
• Optimize liquidity of divisional entities through efficient intercompany funding structures and cash reallocation strategies.
• Ensure smooth execution of treasury operations by coordinating proactively with GTC and Treasury Back-Office teams on bank account management, facility limits, and documentation.
• Design and enhance automated dashboards to enable real-time monitoring of facility utilization, covenants, and funding cost drivers across all FS entities.
• Assist in implementing asset and liability strategies (including gap management) to optimize returns across the relevant entities, in line with ALCO guidelines and recommendations.
• Prepare ongoing assessments of asset–liability mismatches for quarterly ALCO reporting.
• Support management in monitoring capital, liquidity, interest rate, and other balance sheet risks through regular reporting against risk appetite and forward-looking scenario analysis and stress testing.
• Assist in determining funding strategies, interest rate risk tolerance, and overall balance sheet optimization objectives across the Financial Services entities.
• Understand and manage appropriate accounting procedures and processes related to debt and equity funding.
• Support preparation of relevant fiscal records and financial plans, policies, and reports at the divisional level.
• Ensure compliance with relevant policies for all FS entities including applicable regulatory guidelines by governing bodies.
• Prepare all relevant internal approvals related to funding and treasury activities.
• Develop SLAs to govern treasury activities and key touch points with the Business Units.
• Assist in development of ALCO policies, protocols and other applicable guidelines.
• Ensure compliance with DOA through review of documentation (including banking mandates, dealing mandates, account opening and closing).
• Perform KYC duties and update relevant documents with the banks through TBOT (for example trade license, passport copies, sanctions undertakings/questionnaires, FATCA, etc.) in consultation with respective BUF teams and other stakeholders including Legal and Tax where required.

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