Finance Manager

Job Summary: We are looking for a hands-on Finance Manager who can own the full finance function and, most importantly, build and manage strong relationships with banks and financing partners. The role is a mix of day-to-day finance management and practical funding work: keeping cash flow healthy, securing and managing credit and financing facilities, and giving the leadership team clear numbers to make decisions with. This is a startup environment, so we need someone comfortable building processes from scratch, working with limited resources, and moving fast.

Key Responsibilities

Banking & Financing (core focus)

• Build and maintain strong working relationships with banks and financial institutions.
• Open, manage, and optimize company bank accounts and banking services.
• Negotiate and secure financing facilities, working capital lines, credit facilities, and LCs/LGs as needed.
• Prepare the financial packages banks require (financial statements, projections, business cases) and follow up until approval.
• Monitor facility utilization, repayment schedules, covenants, and financing costs.
• Explore alternative funding options relevant to startups (SME financing programs, government-backed funding, investor reporting support).Cash Flow & Financial Management
• Own cash flow forecasting and daily/weekly cash position monitoring — the lifeline of a startup.
• Manage collections and payables to protect liquidity and avoid cash gaps.
• Prepare annual budgets and rolling forecasts, and track actuals against plan.
• Produce monthly financial statements and management reports for the CEO and shareholders.
• Control costs and flag spending risks early.Compliance & Operations:
• Ensure compliance with ZATCA requirements (VAT, e-invoicing) and other regulatory filings.
• Oversee the accounting team and the accuracy of records in the ERP/accounting system.
• Coordinate with external auditors, tax advisors, and banks on required documentation.
• Build and improve finance policies, controls, and processes suitable for a growing company.Qualifications & Experience:
• Bachelor's degree in Finance, Accounting, or a related field.
• Solid mid-level experience in finance, with proven exposure to banking relationships and financing facilities.
• Practical experience dealing directly with banks — opening facilities, negotiating terms, and managing ongoing relationships (this is essential).
• Experience in a startup, SME, or fast-growing company is a strong advantage.
• Professional certification (SOCPA, CMA, CPA, ACCA) is a plus, not a requirement.Skills:
• Strong understanding of financing instruments, credit facilities, and banking products.
• Excellent cash flow management and financial modelling skills.
• Advanced Excel skills and familiarity with ERP/accounting systems (Odoo is a plus).
• Good negotiation and relationship-building skills with external parties.
• Hands-on attitude — comfortable doing the work, not only supervising it.
• Ability to work with limited resources and build processes from scratch.
• Good command of Arabic and English.