Finance Supervisor (CPA)

Infinity 88 Business Consultancy; Eastern Manila District; On-site; PHP 1,200,000 - 2,100,000; Full time

Job summary

Infinity 88 Business Consultancy in Metro Manila seeks a seasoned Finance Manager to lead financial planning, budgeting, and treasury across its pawnshop network. The role requires CPA and 5+ years in finance, with experience in multi-branch operations.

You will oversee accounting, prepare management reports, and implement cost-control measures while ensuring regulatory compliance and accurate financial records. This position is based in the Philippines with a full-time on-site arrangement.

Qualifications

• Bachelor's degree and CPA are mandatory requirements.
• Minimum 5 years of relevant experience in finance or accounting.
• Experience supervising teams across multiple branches.
• Experience in pawnshop operations or retail financial services is an advantage.
• Strong knowledge of budgeting, cash flow, and regulatory compliance.
• Excellent analytical and communication skills.

Responsibilities

• Oversee financial planning and budgets aligned with company goals.
• Monitor cash flow, treasury operations, and branch liquidity.
• Reconcile pawnshop system records with financial statements.
• Prepare monthly and annual financial statements and reports.
• Lead budgeting cycles and cost-control initiatives.
• Coordinate with external auditors and ensure regulatory compliance.
• Develop financial dashboards and KPIs for management.
• Support branch expansion with financial analysis.

Skills

Financial planning

Budgeting

Cash flow management

Financial reporting

Risk management

Leadership

Interpersonal skills

Analytical thinking

Education

Bachelor's degree in Accountancy, Finance, Financial Management, or related field

CPA

Tools

Microsoft Excel

Accounting software

Financial reporting systems

Job description

KEY DUTIES AND RESPONSIBILITIES

A. Financial Planning and Management

• Develop and implement financial plans, budgets, forecasts, and financial strategies aligned with company objectives.

• Monitor the overall financial performance of the pawnshop business and its branches.

• Analyze revenue, expenses, profitability, cash flow, and financial variances.

• Prepare financial projections to support business expansion, branch development, and operational decisions.

• Provide management with recommendations on cost optimization, capital allocation, and financial risk management.

• Evaluate the financial impact of proposed business initiatives, investments, and operational changes.

• Establish financial targets and monitor actual performance against approved budgets.

B. Cash Flow and Treasury Management

• Oversee daily cash positions, cash flow forecasts, and liquidity requirements across branches.

• Ensure sufficient funds are available for authorized pawn loan releases, branch operations, payroll, supplier payments, and other obligations.

• Monitor branch cash balances, fund replenishments, cash transfers, and bank deposits.

• Establish and monitor cash management procedures, including fund custody, cash limits, and authorized disbursement controls.

• Review bank reconciliations and investigate unexplained cash or bank variances.

• Monitor the movement and utilization of company funds to minimize idle cash and liquidity risks.

• Coordinate with branch management to ensure timely reporting and reconciliation of cash transactions.

• Ensure proper segregation of duties in cash handling, fund approval, recording, and reconciliation.

C. Pawnshop Financial Operations

• Oversee the financial monitoring of pawn loans released, redeemed, renewed, and outstanding.

• Ensure proper reconciliation of pawnshop system records with accounting records and financial reports.

• Monitor the recording and collection of interest, service charges, and other authorized fees in accordance with approved company policies and applicable regulations.

• Review branch financial reports to identify unusual transactions, unexplained variances, and potential control weaknesses.

• Monitor the financial reporting of rematado inventory, authorized sales, proceeds, and related accounting entries.

• Coordinate with Operations and Branch Managers to resolve transaction discrepancies affecting financial records.

• Ensure that financial records accurately reflect the movement of funds and assets associated with pawnshop activities.

D. Accounting and Financial Reporting

• Supervise accounting activities and ensure accurate recording of financial transactions in accordance with applicable accounting standards.

• Oversee the preparation of monthly, quarterly, and annual financial statements and management reports.

• Review general ledger balances, journal entries, bank reconciliations, accounts payable, receivables where applicable, and other accounting schedules.

• Ensure proper month-end and year-end closing procedures.

• Analyze financial results and explain significant variances against budgets and previous periods.

• Maintain complete supporting documentation for financial transactions and accounting entries.

• Coordinate with external auditors and provide required financial schedules and supporting documents.

• Ensure that accounting records are maintained accurately and are readily available for audit and management review.

E. Budgeting and Cost Control

• Lead the preparation and consolidation of annual operating budgets and periodic forecasts.

• Monitor branch operating expenses, administrative costs, payroll expenses, utilities, rent, and other business expenditures.

• Review expense requests and disbursements against approved budgets and delegated authority.

• Identify excessive spending, budget overruns, and opportunities for cost reduction.

• Establish financial monitoring procedures for branch-level expenses.

• Prepare budget utilization and variance reports for management.

• Recommend cost-control measures without compromising operational requirements and regulatory compliance.

F. Financial Controls and Risk Management

• Develop, implement, and monitor financial policies, procedures, and internal controls.

• Ensure appropriate segregation of duties across cash handling, transaction approval, accounting, and reconciliation.

• Monitor financial risks involving cash shortages, unauthorized disbursements, inaccurate reporting, fraud, and misuse of company funds.

• Review unusual financial transactions and coordinate investigations with Internal Audit, Compliance, and Operations when necessary.

• Ensure that financial discrepancies are documented, investigated, escalated, and resolved.

• Coordinate with the Audit Supervisor regarding audit findings and corrective action plans involving financial processes.

• Recommend improvements to financial systems, reporting procedures, and branch financial controls.

G. Tax and Regulatory Compliance

• Oversee the preparation and timely filing of applicable tax returns and statutory financial reports in coordination with qualified accounting personnel and external advisers.

• Ensure compliance with applicable Bureau of Internal Revenue (BIR) requirements, including tax filings, withholding taxes, invoicing requirements, and supporting documentation.

• Coordinate the preparation of financial schedules and documents required by external auditors and relevant regulatory authorities.

• Monitor changes in applicable accounting, taxation, and financial reporting requirements.

• Coordinate with Compliance and Legal regarding financial reporting obligations and other regulatory concerns relevant to pawnshop operations.

• Maintain organized records of tax filings, payments, assessments, and supporting documents.

H. Banking and Financial Partnerships

• Maintain professional relationships with banks, financial institutions, auditors, and other authorized financial partners.

• Monitor bank accounts, authorized signatories, credit facilities, and financing arrangements, where applicable.

• Evaluate financing options and banking services based on the company's operational and financial requirements.

• Coordinate with management on funding requirements for branch operations and expansion.

• Monitor loan covenants and payment obligations associated with company financing, where applicable.

J. Management Reporting and Business Advisory

• Prepare and present financial performance reports to senior management.

• Provide analysis of profitability, cash flow, liquidity, operating expenses, and branch performance.

• Develop financial dashboards and key performance indicators for monitoring business results.

• Identify financial trends, risks, and opportunities affecting business sustainability.

• Recommend strategies to improve working capital, financial discipline, cost efficiency, and profitability.

• Support management decisions regarding branch expansion, resource allocation, and business development initiatives.

III. QUALIFICATIONS

• Bachelor's degree in Accountancy, Finance, Financial Management, or a related field.

• Must be Certified Public Accountant (CPA).

• At least 5 years of relevant experience in finance, accounting, treasury, or financial management.

• At least 2-3 years of supervisory or managerial experience is preferred.

• Experience in pawnshop operations, banking, lending, retail financial services, or multi-branch businesses is an advantage.

• Strong knowledge of financial reporting, budgeting, cash flow management, accounting controls, and tax compliance.

• Familiarity with pawn loan transactions, branch cash management, inventory accounting, and rematado-related financial reporting is preferred.

• Proficiency in Microsoft Excel, accounting software, and financial reporting systems.

• Strong analytical, leadership, decision‑making, and problem‑solving skills.

• Excellent communication and report‑writing skills.

• High integrity, confidentiality, attention to detail, and accountability.

• Ability to manage multiple deadlines and coordinate financial activities across branches.