Essential Duties and Responsibilities:

1. Strategic Financial Leadership

- Partner with CEO and leadership team to define financial strategy aligned with business objectives.
- Drive capital allocation, investment decisions, and financial planning for growth initiatives.
- Represent the company in board meetings, and group-level finance discussions.

2. Governance & Compliance

- Ensure adherence to statutory regulations, Companies Act, FEMA, RBI guidelines, and internal governance frameworks.
- Oversee taxation management, corporate accounts, accounts payable, and statutory audits through the Financial Controller function.
- Maintain audit readiness across all finance and bullion operations.
- Ensure timely filing of returns and compliance with regulatory authorities.

3. Financial Planning & Analysis

- Lead annual budgeting, forecasting, and long-range planning.
- Drive FP&A; to deliver actionable insights on profitability, store performance, and cost optimization.
- Monitor KPIs and financial health metrics to support strategic decisions.

4. Treasury & Liquidity Management

- Manage cash flow forecasting, working capital, and banking relationships.
- Optimize capital structure and funding strategies for cost efficiency.
- Oversee FX and bullion hedging strategies to mitigate price volatility.

5. Bullion Sourcing & Price Risk Management

- Establish policies for bullion procurement and price risk mitigation.
- Implement hedging strategies using commodity exchanges and financial instruments.

6. Commercial Oversight

- Oversee retail commercial operations, ensuring financial discipline and process efficiency.
- Drive automation of payment processes, vendor contracting, and marketing spend controls.
- Ensure robust governance for franchisee financial operations and store-level commercials.

7. New Scheme Implementation

- Collaborate with Retail and Merchandising teams to design and implement innovative customer schemes.
- Ensure financial viability, risk assessment,



and compliance for recent initiatives.
- Lead financial planning and risk mitigation for schemes like “Double Rate Protection” in gold pricing, ensuring accurate hedging and alignment with bullion sourcing strategy.

8. Risk Management

- Develop and maintain frameworks for bullion price risk, liquidity risk, and operational risk.
- Ensure insurance coverage for assets, operations, and supply chain.
- Drive compliance with internal controls and regulatory standards.

9. Digital Transformation & Automation

- Champion automation in finance processes, reporting, and analytics using ERP and BI tools.
- Implement technology-driven solutions for treasury, risk management, and FP&A.;

10. Leadership & People Development

- Build and mentor a high-performing finance team across all sub-functions.
- Foster a culture of accountability, innovation, and continuous improvement.

Critical Competencies for Success:

- Strategic Financial Leadership – Align financial strategy with business growth and profitability goals.
- Treasury & Risk Management – Manage liquidity, bullion sourcing, FX, and price risk effectively.
- Commercial Acumen – Drive cost efficiency and negotiate favorable terms across retail and HO.
- Governance & Compliance – Ensure statutory adherence, corporate accounts, taxation, and audit readiness.
- Analytical & FP&A; Expertise – Deliver insights for budgeting, forecasting, and performance improvement.
- Digital Finance Transformation – Leverage ERP, BI tools, and automation for process excellence.
- Stakeholder Management – Influence leadership and external partners for strategic decisions.
- Innovation in Financial Solutions – Enable new schemes like Double Rate Protection with risk mitigation.

Person Profile

1. Education – Chartered Accountant (CA) or MBA in Finance; CFA preferred.
2. Experience – 20+ years in Finance role and 8-10 years on experience in Finance leadership, with retail/multi-location exposure.
3. Industry Preference – Luxury retail, FMCG, or consumer businesses.

📌 Head Finance & Commercial (Maharashtra)
🏢 Financial services
📍 Maharashtra