Finance Manager

The Finance Manager owns the FP&A function and cash flow management & policy across Ripples Commerce and its subsidiaries: budgeting and forecasting, financial modeling, management reporting, project feasibility, and group-level cash flow planning and liquidity policy. A key partner to the Controller and CFO in driving data-driven decisions, disciplined capital allocation, and financial sustainability as the company scales.

Key Responsibilities

Financial Planning & Analysis (FP&A)

• Lead the annual budgeting process and rolling forecasts across all entities and business units; track performance against budget throughout the year.
• Prepare monthly, quarterly, and annual management reports covering P&L, B/S, CF, operational metrics, and KPI dashboards.
• Perform variance analysis vs. budget, forecast, and prior periods with commentary on drivers and recommended actions.
• Monitor key financial targets — revenue growth, profitability margin, and returns vs. WACC — and flag risks to plan early.

Financial Modeling & Project Feasibility

• Build and maintain the group financial model (P&L, balance sheet, cash flow) supporting planning, valuation, and financing discussions.
• Evaluate project and investment feasibility: business cases, ROI/IRR/payback analysis, and scenario and sensitivity modeling for new BUs, M&A, and JV opportunities.
• Track approved project budgets vs. actual spend; report variances and enforce budget discipline with project owners.

Cash Flow Management & Policy

• Own group cash flow planning: prepare and maintain medium- and long-term cash flow forecasts (FCFF/FCFE) linked to the business plan.
• Develop and maintain the company's financial policies including cash, liquidity, leverage, approval metrices, dividend framework and treasury policy
• Plan funding needs ahead of growth — working capital for inventory pre-orders, capex, and new initiatives — and recommend financing timing and structure.
• Monitor working capital performance (CCC, DSO, DIO, DPO) and OCF/EBITDA conversion; partner with Accounting and business units on improvement initiatives.

Financing & Stakeholder Support

• Lead debt financing: prepare projections and covenant analysis for credit facility applications and bank reviews; monitor D/E and DSCR against policy targets.
• Prepare financial materials for investors, board meetings, and fundraising discussions, including data room support.
• Coordinate with the Controller and Accounting Manager to ensure forecasts reconcile with actuals and treasury operations align with cash flow plans.

Business Partnering

• Partner with business units and Strategy & PMO on commercial decisions and new initiative evaluation.
• Provide financial insight and challenge to support risk-adjusted, data-driven decision making.
• Perform other assignments as requested by the CFO.

Qualifications

• Bachelor's degree or higher in Finance, Accounting, Economics, or related field
• Experience in FP&A, corporate finance, investment banking, or financial advisory; supervisory or review experience an advantage
• Strong financial modeling skills (three-statement models, valuation, scenario analysis); CFA or related qualification an advantage
• Understanding of working capital dynamics and cash flow forecasting; trading or commerce industry experience an advantage
• Strong Microsoft Excel and AI skills; experience with BI/planning tools an advantage
• Good command of Thai and English for reporting and coordination with banks, advisers, and investors