Finance Controller - Banking

Financial Control & Reporting:

• Oversee preparation of accurate and timely monthly, quarterly, and annual financial statements in line with applicable accounting standards (Ind AS/IGAAP).
• Ensure robust internal financial controls (IFC) are designed, implemented, and monitored across the organization.
• Manage the monthly closing process, including reconciliations, accruals, and variance analysis.
• Present financial performance reports, MIS, and dashboards to senior management and the board.

Compliance & Regulatory:

• Ensure compliance with statutory requirements - Income Tax, GST, TDS, RBI/NBFC regulations (if applicable), Companies Act, and other applicable laws.
• Liaise with statutory auditors, internal auditors, tax consultants, and regulatory authorities.
• Ensure timely filing of returns, audits, and regulatory submissions.
• Stay updated on changes in gold loan/bullion trade regulations, RBI guidelines, and financial compliance norms.

Treasury & Cash Flow Management:

• Monitor daily cash flow, fund positions, and working capital requirements.
• Manage banking relationships, credit facilities, and gold-backed lending/borrowing arrangements.
• Oversee gold inventory valuation, hedging strategies, and price risk management.

Budgeting & Financial Planning:

• Lead the annual budgeting process and periodic forecasting/re-forecasting.
• Conduct cost analysis and identify areas for cost optimization and margin improvement.
• Support business heads with financial insights for strategic decision-making.

Audit & Risk Management:

• Coordinate statutory, internal, and tax audits; ensure timely closure of audit observations.
• Identify financial risks and implement mitigation controls.
• Ensure adequate documentation and audit trails for all financial transactions.

Team Leadership:

• Lead, mentor, and manage the finance and accounts team.
• Set performance goals, review team output, and build finance function capability.
• Coordinate cross-functionally with operations, compliance, HR, and business teams.