In support of the iMasFinance transformation strategy, preference is given to candidates from the designated groups, specifically targeting African Females, African Males and candidates with disabilities.

iMasFinance is seeking a skilled Chartered Accountant (CA) to take full financial responsibility for the operations of 27 branches operating within the loan financing segment of the business. This senior role is focused on ensuring accurate reporting and effective control across all finance-related activities tied to the management and collection of customer loans. This role requires a finance professional who will compile, analyse, and consolidate all branch budgets and forecasts, ensuring complete accuracy and alignment with strategic objectives. The successful candidate will oversee the full financial management of the financing function, including branch performance analysis, loan book reporting, collections oversight, month‑end processes, financial controls, and audit compliance. In addition, the role includes leading a regional team of accountants and providing financial insights to support sales growth, operational decisions, and long-term financial sustainability within the financing area of the business.

Job Outputs:

1. Accounting enablement

• Oversee financial management of branches, ensuring accurate and timely financial reporting.
• Ensure accurate and timely month‑end processing, including journals for head office cost allocations, expense provisions, and branch‑specific allocations.
• Review / approve all regional accountant transactions captured on the finance system and ensure correct general ledger, branch, and departmental allocations.
• Review / approve all branch specific expenditure for payment and correct allocations
• Oversee management of fixed assets, petty cash, and specific branch finance controls.
• Maintain and manage a schedule of lease payments for all branch offices.
• Review and sign off key trial balance account reconciliations for the financing business area.
• Report monthly on:
  • Loan book movements and performance vs budget
  • Sales turnover vs budget
  • Interest income variances vs budgeted loan book and rates
  • Profit per branch and per product, consolidated for the financing business division
• Perform detailed expense analysis for all branches and provide monthly insights to the sales team.
• Oversee the customer collections process, including monitoring schedule imports and comparing with general ledger integration, approving all payment journals, reviewing customer account reconciliations and collaborate with the Collections department to ensure accuracy, efficiency, and strong financial controls.
• Compile IFRS-compliant financial statements for applicable legal entities.

2. Strategic requirements

• Provide financial insights and recommendations to management to support sales strategy, operational decisions, and business growth in the financing division.
• Present financial performance, branch profitability, and loan book insights at monthly Sales Operational Meetings.
• Support the evaluation of product performance, including product-level profitability calculations and ad‑hoc financial models.
• Partner with the Sales and Collections departments to ensure financial processes support business objectives and operational efficiency.
• Assist with the testing, rollout, and evaluation of new systems or system upgrades impacting the financing area.

3. Audit, Assurance & Governance

• Manage and oversee internal audits related to branch finance processes (including fixed assets and branch-level controls).
• Manage internal audits relating specifically to the customer collections process.
• Coordinate external audit requirements for branch finance, including documentation, reconciliations, and audit queries.
• Ensure the implementation of audit findings, process improvements, and strengthened internal controls across all branches.
• Ensure financial governance, adherence to accounting standards, and compliance with internal policies across the financing operations.

4. Leadership & Other Responsibilities

• Lead, manage, and mentor a team of accountants, including performance management, development planning, coaching, and workload allocation.
• Manage interpersonal relationships and ensure strong collaboration within the finance team.
• Foster strong working relationships with Sales, Collections, and other internal departments.
• Provide financial support for ad‑hoc sales‑related calculations and requests.
• Support broader business initiatives affecting the financing division.
• Assist the Head: Finance with any other requests, analysis or activity as may be required from time to time.

Qualifications:

• Registered Chartered Accountant is essential.
• Comply with all legislative & regulatory requirements of being a Financial Manager, e.g. no criminal record.

 Experience:

• 2–4 years post‑articles experience in a multi‑branch or multi‑entity environment, ideally in lending/financial services
• Experience in budget compilation, consolidation, and forecasting for multiple branches or business units.
• Strong month‑end close, general ledger, and IFRS reporting experience.
• Exposure to loan‑financing environments, including loan book reporting, interest income, bad debts, and recoveries will be an advantage.
• Prior experience leading and managing a finance team.

 Knowledge and Skills:

• Strong technical accounting expertise, including IFRS and financial reporting.
• Advanced analytical and problem‑solving skills.
• Attention to detail.
• Excellent budgeting, forecasting, and financial modelling capability.
• Solid understanding of loan‑financing operations, interest income, collections, and profitability drivers.
• Effective leadership and team management skills
• Ability to manage multiple priorities, work under pressure, and maintain accuracy in a high‑volume, multi‑branch environment.
• High integrity and professionalism.
• Interpersonal relationships, team player.