Senior Financial Analyst - Treasury and Funding

AlFuttaim; Dubai; On-site; AED 240,000 - 400,000; Full time

Job summary

Al-Futtaim is seeking a Senior Financial Analyst to support corporate finance, treasury, funding, liquidity, and risk activities across the Financial Services Division. You will build financial models, forecast cash flows, and optimize capital structures while coordinating with banks and the Global Treasury Centre.

The role emphasizes detailed financial analysis, robust forecasting, and strategic funding decisions to protect liquidity and reduce financing costs.

Qualifications

• Finance or accounting qualification with 2–5 years experience in corporate finance, treasury or financial services.
• Strong financial modeling and cash flow forecasting skills and knowledge of liquidity risk.
• Familiarity with SAP BPC, Anaplan, Excel and Power BI is highly desirable.

Responsibilities

• Build and maintain financial models and consolidated projections for strategic planning and funding decisions.
• Prepare Direct Cash Flow forecasts aligned with budgets and quarterly forecasts.
• Analyze balance sheet movements, cash flows, financing costs and liquidity positions.
• Assess funding structures and suggest improvements to reduce financing costs.
• Coordinate funding with Global Treasury Centre and internal stakeholders.
• Monitor covenants, debt limits and liquidity, flagging breaches early.
• Develop dashboards on facility utilization, funding costs and liquidity levels.
• Support ALCO governance and asset liability management activities.

Skills

Corporate finance

Treasury management

Financial modeling

Cash flow forecasting

Direct Cash Flow forecasting

Liquidity management

Funding strategy

Debt management

Capital structure analysis

Balance sheet analysis

Financial forecasting

Working capital management

Facility utilization

Banking facilities

Covenant monitoring

Funding cost analysis

Asset liability management

ALCO reporting

Liquidity risk

Interest rate risk

Stress testing

Foreign exchange

Treasury accounting

Financial instruments

SAP BPC

Anaplan

Microsoft Excel

Power BI

KYC documentation

Financial risk control

Education

Bachelor's degree in Finance/Accounting

MBA, ACCA, CA, CIMA, or CFA (professional qualifications)

Tools

SAP BPC

Anaplan

Microsoft Excel

Power BI

Job description

Role Context

The Senior Financial Analyst will support the Senior Finance Manager in managing corporate finance, treasury, funding, liquidity, and financial risk activities across ten entities within the Financial Services Division. The role combines detailed financial analysis with practical treasury execution. Reliable forecasting, funding structure optimization, covenant monitoring, cash visibility, and asset liability management will help the business maintain sufficient liquidity while reducing financing costs and protecting financial resilience. Working with business units, banks, the Global Treasury Centre, and senior finance stakeholders, the analyst will provide financial information that supports capital allocation, funding decisions, and balance sheet optimization.

Key Responsibilities

• Build and maintain financial models and consolidated projections supporting strategic planning, funding decisions, and cost optimization.
• Prepare accurate Direct Cash Flow forecasts aligned with annual budgets and quarterly financial forecasts.
• Analyze balance sheet movements, cash flows, financing costs, and liquidity positions to identify opportunities for improvement.
• Assess capital and funding structures and recommend opportunities to improve returns while reducing financing expenses.
• Evaluate the funding implications of capital expenditure, portfolio changes, and other strategic initiatives.
• Coordinate funding transactions with the Global Treasury Centre and relevant internal stakeholders.
• Monitor capital adequacy and liquidity positions and provide timely information for management decisions.
• Prepare and review bi-weekly cash flow forecasts across relevant business entities.
• Track debt limits, financial covenants, and facility conditions and highlight potential breaches before they occur.
• Improve working capital efficiency through liquidity optimization, cash reallocation, and intercompany funding strategies.
• Maintain current visibility of available cash to support operational requirements and debt servicing commitments.
• Coordinate with the Global Treasury Centre on bank relationships, facility limits, and treasury administration.
• Develop dashboards showing facility utilization, funding costs, liquidity levels, and other treasury performance indicators.
• Support implementation of asset and liability management strategies in accordance with ALCO guidelines.
• Prepare analysis of asset liability mismatches for ALCO reviews and management reporting.
• Monitor capital, liquidity, and interest rate exposure through financial risk analysis and stress testing.
• Assist with development of funding strategies and balance sheet optimization objectives.
• Manage accounting procedures associated with debt and equity funding transactions.
• Support preparation of divisional financial plans, policies, fiscal records, and internal funding approvals.
• Ensure treasury and financing activities comply with internal policies and applicable regulatory requirements.
• Develop service-level agreements governing treasury activities with business units.
• Support ALCO policy development and monitor compliance with approved governance requirements.
• Review banking and treasury documentation against Delegation of Authority requirements.
• Perform KYC-related coordination and maintain current documentation with banking partners.

Ideal Profile

Candidates should hold a qualification in Finance, Accounting, or a related discipline and have approximately 2-5 years of experience in corporate finance, treasury, banking, or financial services. Professional qualifications such as MBA, ACCA, CA, CIMA, or CFA will strengthen suitability for the role. Strong financial modeling and analytical capability is essential, particularly in cash flow forecasting, liquidity assessment, funding analysis, balance sheet management, and financial risk evaluation. Candidates should understand financial markets, foreign exchange, treasury accounting, financial instruments, liquidity risk, and funding structures. Advanced Excel capability is required, together with practical experience using Power BI for reporting and financial visualization. Familiarity with SAP BPC and Anaplan is particularly important for planning and consolidation activities. The preferred professional will be comfortable coordinating with multiple business entities, senior finance teams, banks, and treasury stakeholders while maintaining accurate financial information and disciplined governance.

Skills Set

• Corporate finance
• Treasury management
• Financial modeling
• Cash flow forecasting
• Direct Cash Flow forecasting
• Liquidity management
• Funding strategy
• Debt management
• Capital structure analysis
• Balance sheet analysis
• Financial forecasting
• Working capital management
• Facility utilization
• Banking facilities
• Covenant monitoring
• Funding cost analysis
• Asset liability management
• ALCO reporting
• Liquidity risk
• Interest rate risk
• Stress testing
• Foreign exchange
• Treasury accounting
• Financial instruments
• SAP BPC
• Anaplan
• Microsoft Excel
• Power BI
• KYC documentation
• Financial risk control

Why Join Us

This role provides exposure to corporate finance and treasury activities across a diversified financial services portfolio rather than a single operating entity. Managing liquidity, funding structures, capital requirements, and financial risk across multiple businesses creates valuable experience for professionals seeking broader responsibility within treasury and strategic finance. Al-Futtaim offers the opportunity to work with sophisticated financial planning systems, centralized treasury operations, senior finance stakeholders, and complex funding structures. The position can provide a strong foundation for progression into treasury management, corporate finance, financial planning, asset liability management, and broader finance leadership roles.

About the Company

Al-Futtaim is a diversified privately held regional business headquartered in Dubai, United Arab Emirates, with major operations across automotive, financial services, real estate, retail, and healthcare. Its Financial Services Division supports multiple businesses and entities through structured finance, treasury, funding, risk management, and financial planning activities across the Group.