Chief Financial Officer (CFO)

Cinch; Singapore; On-site; SGD 250,000 - 420,000; Full time

Job summary

Cinch is building Asia’s largest Device-as-a-Service platform and seeks a CFO to become the Strategic Architect of our Capital Engine. You will manage ABF facilities, optimize WACC, and lead equity fundraising while ensuring tax efficiency and robust governance across markets in SG, MY, and beyond.

You will unify finance and corporate strategy, shape the financial narrative for lenders and investors, and drive capital allocation to sustain rapid growth and asset deployment.

Qualifications

• 12+ years of progressive finance experience in high-growth businesses.
• Experience in asset-backed or balance-sheet heavy models (leasing/fintech).
• Proven track record raising institutional equity (Series A/B+) and structuring debt facilities.
• Experience managing group-level finance across multiple entities and markets.
• Strong understanding of unit economics, capital allocation, WACC, NIM, ROA.
• Hands-on regional tax structuring, transfer pricing, and entity setup.

Responsibilities

• Lead Asset-Backed Financing (ABF) architecture and multi-market debt facilities for SG, MY, and future markets.
• Manage WACC to optimize lease yield and cost of funds.
• Interface with lenders and equity investors; craft the financial narrative.
• Partner with CEO on Series A/B fundraising; oversee data room and due diligence.
• Evaluate inorganic growth via acquisitions to speed regional expansion.
• Architect regional tax strategy and transfer pricing policy.
• Lead entity structuring for market entry and risk containment.
• Oversee treasury, FX risk management, and ALM alignment.
• Ensure IFRS/SFRS lease accounting and revenue recognition compliance.
• Monitor governance metrics and ensure audit readiness.

Skills

CFO experience

Debt facilities

Series A/B fundraising

Asset-backed finance

Treasury management

IFRS/SFRS

Tax & transfer pricing

Unit economics

Capital markets

Financial storytelling

Job description

About Cinch

We are building Asia’s largest Device-as-a-Service (DaaS) platform. We believe access to technology should be flexible, affordable, and sustainable. By decoupling "usage" from "ownership," we are creating a circular economy where tech is utilized, recovered, refurbished, and recirculated—eliminating e-waste while unlocking value for consumers and businesses.

We are a high-velocity Series A startup moving from "product-market fit" to "scale." We are not just a software company; we move atoms. We are looking for an operational architect to build the backbone of our business.

The Mission

Cinch is building Asia’s largest Device-as-a-Service (DaaS) platform. We are looking for a CFO to serve as the Strategic Architect of our Capital Engine.

In a DaaS model, finance is the product. You will actively manage the "Physical-Digital Matrix"—balancing high-velocity revenue growth with rigorous capital efficiency. You will secure the debt and equity required to scale, optimize our regional tax structure, and safeguard unit economics.

Strategic Role: The "Capital & Governance" Anchor

You will unify the Finance Operations Chapter (Accounting, Reporting, Treasury) and the Corporate Finance Chapter (Fundraising, FP&A, Tax & Structuring). You are the primary arbiter in the Sales & Operations Planning (SOP) process, ensuring we never buy inventory we cannot fund or fund growth that destroys value.

Key Responsibilities

Capital Markets & Debt Strategy

• Asset-Backed Financing (ABF) Architecture: Lead the structuring and negotiation of multi-market debt facilities (Warehouse lines, Venture Debt). Ensure sufficient "dry powder" to fund asset purchases in SG, MY, and future markets.
• Cost of Funds Optimization: Manage the weighted average cost of capital (WACC) to ensure a healthy spread against our lease yield.
• Stakeholder Management: Serve as the primary interface for lenders and equity investors. Manage the "Financial Story" to ensure it matches operational reality.
• Equity Fundraising: Partner with the CEO to lead Series A/B fundraising. Own the financial narrative, data room, and investor due diligence process.
• M&A Strategy: Evaluate inorganic growth opportunities (e.g., acquiring smaller leasing books or logistics partners) to accelerate regional expansion.

Corporate Structuring, Tax & Transfer Pricing (NEW)

• Regional Tax Efficiency: Architect the group’s tax strategy for regional expansion (SG, MY, TH, VN). Minimize leakage regarding Withholding Tax (WHT), VAT/GST recovery on asset imports, and corporate income tax.
• Transfer Pricing (TP) Strategy: Design and maintain a robust TP policy for intercompany loans, management fees, and cross-border asset leasing to ensure compliance with IRAS and local tax authorities while optimizing group liquidity.
• Entity Structuring: Lead the legal and financial structuring for market entry, determining whether to set up local OpCos vs. SPVs (Special Purpose Vehicles) for asset holding to ring-fence liability and satisfy lender requirements.

Treasury, FX & Asset-Liability Management (ENHANCED)

• FX Risk Management: Implement hedging strategies to protect Net Interest Margins (NIM) as we deploy capital in local currencies (MYR, THB) while servicing potential USD/SGD debt.
• Cash Pooling & Liquidity: Optimize the Cash Conversion Cycle by managing vendor terms (Payables) against subscription inflows (Receivables) and effectively moving cash between regional entities.
• ALM (Asset-Liability Management): Match the duration of our debt facilities with the average lease tenor of our device portfolio to prevent liquidity crunches.

Financial Planning & Analysis (FP&A) & Unit Economics

• Strategic S&OP Leadership: Co‑lead the monthly "Lock" with the Head of Operations. You hold the "Open-to-Buy" budget—approving inventory spend only when demand forecasts and capital availability align.
• Pricing Strategy Oversight: Partner with Product and Risk to define pricing models. Ensure pricing covers Cost of Capital, Depreciation, Bad
• Debt, and Tax Leakage to maintain target ROA.
• Residual Value Analysis: Work with Risk/Data teams to forecast device residual values, ensuring depreciation rates in the P&L reflect true market resale values.

Governance, Compliance & Control

• Covenant Engine: Responsible for real‑time monitoring of PAR90, Debt-to-Equity ratios, and liquidity thresholds to prevent technical default.
• Lease Accounting Standards: Ensure compliance with IFRS/SFRS (specifically lease accounting standards), ensuring accurate revenue recognition between "Hardware Revenue" vs. "Services Revenue."
• Audit & Control: Manage the Finance Director to ensure flawless execution of month‑end close and audit readiness.
• Regulatory Compliance: Oversee regulatory reporting and tax compliance across all jurisdictions, ensuring we meet local fintech and leasing licensing requirements.

Who You Are

• 12+ years of progressive finance experience, including time as a CFO, Deputy CFO, or Head of Finance in a high‑growth or capital‑intensive business
• Strong experience in asset‑backed or balance‑sheet heavy models (e.g. leasing, fintech, hardware, infrastructure, logistics, or subscription businesses)
• Proven track record raising institutional equity (Series A/B+) and structuring debt facilities such as venture debt, warehouse lines, or ABF
• Experience managing group‑level finance across multiple entities and markets
• Deep understanding of unit economics, capital allocation, WACC, NIM, and ROA
• Hands‑on experience with regional tax structuring, transfer pricing, and entity setup (Singapore and Southeast Asia preferred)
• Solid grounding in treasury, FX risk management, and asset‑liability matching
• Working knowledge of IFRS / SFRS, particularly lease accounting and revenue recognition
• Comfortable acting as a strategic partner to the CEO while remaining hands‑on in execution
• Strong communicator with investors, lenders, auditors, and regulators, able to articulate a clear and credible financial narrative