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