Cheif Financial Officer

The CFO is responsible for the financial health, cash flow, financial controls, planning, reporting, risk management and financial strategy of the organization. The CFO acts as the key financial advisor to the Managing Director/Promoters and ensures that business decisions are supported by accurate financial information.

1. Core Job Roles & Duties Role / Area Key Duties Financial Planning & Strategy Cash Flow & Treasury Prepare annual budgets, business plans, financial forecasts and long-term financial strategy. Evaluate the financial impact of major business decisions. Monitor daily/weekly cash position, collections, payments, bank balances and liquidity. Maintain adequate working capital and optimize cash utilization. MIS & Management Reporting Budgeting & Cost Control Prepare monthly P&L, balance sheet, cash-flow statements, MIS dashboards, variance reports and management reports with clear explanations of financial performance. Set departmental budgets, monitor actual spending against budgets, investigate variances and identify opportunities to reduce unnecessary costs. Working Capital Management Banking & Financing Control inventory, receivables, payables and cash conversion cycle. Establish collection and payment policies to maintain healthy liquidity. Provide the MD/Promoters with financial analysis, scenarios, profitability insights and recommendations for strategic decisions. Manage relationships with banks and financial institutions. Handle working-capital limits, term loans, LC/BG facilities, interest costs, refinancing and funding requirements. Accounting Oversight Taxation Supervise accounting operations, monthly closing, reconciliations, ledger accuracy and timely financial statements. Coordinate GST, TDS, income-tax compliance, tax planning, assessments and external tax advisors. Ensure timely filing and reconciliation. Audit & Compliance Internal Controls Coordinate statutory, internal and financial audits. Maintain proper documentation and ensure compliance with applicable laws, policies and accounting standards. Design controls for purchasing, sales, inventory, cash, payments and approvals. Prevent errors, fraud and unauthorized transactions through segregation of duties. Investment & Project Analysis Risk Management Evaluate new projects using ROI, IRR, payback, break-even, cash-flow and sensitivity analysis. Recommend funding structures based on financial feasibility. Identify liquidity, credit, fraud, market, operational and financial risks and establish controls and mitigation plans. Business Advisory

2. Retail Business — CFO Responsibilities • Daily sales vs. target monitoring • Gross margin analysis by department, floor and product category • Inventory ageing, slow-moving and dead-stock reporting • Purchase margin and vendor profitability analysis • Discount and promotional campaign analysis • Cash, card and UPI collection reconciliation • Daily bank deposit and cash reconciliation • Stock reconciliation and shrinkage monitoring • Employee cost and operating expense analysis • Store-wise and department-wise P&L • Online sales profitability and marketing ROI • Receivables, payables and vendor ageing • GST and accounting reconciliation • Monthly financial closing and management reporting

3. Real Estate & Project Finance Duties • Prepare project feasibility studies and detailed project budgets • Track land, construction, consultant and contractor costs • Prepare project-wise cash-flow forecasts • Calculate project ROI, IRR, payback and break-even • Evaluate debt vs. equity funding requirements • Monitor project sales, leasing income and collections • Calculate rental yield and project valuation • Review contractor bills and payment certifications • Prepare investor/partner return models where applicable • Monitor project cost overruns and financial risks

4. Daily / Weekly / Monthly CFO Checklist Frequency Key Deliverables Daily Weekly Cash position; bank balances; collections; payments; sales; major expenses; unusual transactions; liquidity alerts. Forecast refresh; project review; risk review; financing strategy; tax planning; internal-control review; capex review. Cash-flow forecast; receivables/payables ageing; inventory movement; sales & margin review; project cash flow; bank/credit utilization. Monthly Quarterly P&L balance sheet; cash flow; budget vs actual; department/store P&L inventory ageing; tax liabilities; debt schedule; management MIS.Frequency Annually Key Deliverables Annual budget; business plan; financing plan; audit coordination; tax strategy; capex plan; long-term financial forecast.

5. Key CFO KPIs • Cash-flow accuracy and liquidity coverage • Budget variance and expense control • Gross margin / EBITDA improvement • Working-capital cycle • Receivables collection period • Inventory turnover and ageing • Finance cost optimization • Timeliness and accuracy of MIS • Tax and statutory compliance • Audit observations and closure • Project ROI / IRR performance • Fraud and control exceptions