Group Finance Manager

You will own management reporting, statutory compliance, treasury, FP&A, and the financial workstream of our fundraise. You will partner with the CEO on capital allocation decisions across our Malaysian direct agency entity, our Labuan reinsurance broker, our Singapore holding entity.

This is a hands-on role with strategic upside. You will run a small team initially (2 reports) and scale it as the group grows. You will be the finance counterpart to investors, regulators, auditors, and tax advisors — and you will set the standard for how financial information flows through Emerge.

Key responsibilities

• Own the monthly group consolidation across MY, SG, and Labuan entities, including elimination of intercompany balances and FX translation.
• Produce a monthly management report within 10 working days of month-end: P&L by sub-brand, balance sheet, cash flow, KPI dashboard.
• Maintain Insurance Broker Account (IBA) / Client Account integrity in line with BNM Policy Document on Licensing and Regulatory Framework for Insurance Brokers and equivalent LFSA guidelines for the Labuan entity.
• Implement and document financial controls: payment authorisation matrix, expense policy, segregation of duties, premium remittance reconciliations.
• Lead annual statutory audits (separate auditors per jurisdiction) and quarterly regulatory submissions to BNM and LFSA.

• Build and maintain the group's annual budget, quarterly reforecast, and three-year strategic plan, with view by entity and sub-brand.
• Track unit economics for each sub-brand: gross commission rate, net retention, expense ratio, contribution margin, payback on producer acquisition.
• Run scenario analysis on producer compensation, override structures, and revenue share mechanics.

• Manage group cash across multi-currency accounts (MYR, SGD, USD) including BNM-reference-rate FX mechanics for inward and outward placements.
• Operate the premium remittance cycle: collect from clients, settle insurers/reinsurers within agreed credit terms, recover commission, manage aged outstandings.
• Run accounts payable, payroll (incl. KWSP, SOCSO, EIS, PCB compliance), and intercompany funding.
• Implement and own the group's accounting system roadmap (current state to be assessed; expectation is consolidation onto a unified stack).

• Own the financial section of the Series A data room: historicals, KPIs, commission schedules, broker statements, capacity arrangements, regulatory standing.
• Maintain the bottom-up financial model used for investor conversations; refresh assumptions quarterly with input from commercial leaders.
• Support corporate restructuring activities, including the planned Emerge Singapore / Merlion share swap and any future ESOS implementation.
• Coordinate with external counsel and tax advisors on cross-border placement structures, withholding tax on reinsurance flows, and LFSA-reportable transactions.

• Manage corporate tax filings for all entities; liaise with tax agents on annual returns and estimated tax submissions.
• Manage SST registration and submissions where applicable, particularly for management and consultancy income flows.
• Withholding tax compliance on cross-border reinsurance and brokerage arrangements, including documentation of substance for Labuan.

• Qualified accountant (ACCA, CPA Australia, ICAEW, or CIMA) with current MIA membership, 5+ years post-qualification experience.
• Minimum 3 years in a finance department management role within insurance broking, insurance, takaful, or financial services. Direct broking or reinsurance broking finance experience is strongly preferred.
• Working knowledge of BNM regulatory framework for insurance brokers and ideally familiarity with LFSA insurance broker guidelines.
• Demonstrated multi-entity consolidation experience including FX, intercompany, and elimination journals.
• Strong financial modelling and Excel/Google Sheets — you should be able to build a three-statement model from scratch and stress-test it.
• Experience with cloud accounting (Xero or QuickBooks)
• Excellent written English; you will be drafting sections of investor decks, board papers, and regulatory submissions.

• Prior exposure to a venture-funded company through a fundraising cycle (Series A or later).
• Familiarity with MFRS 15 revenue recognition for broker commissions and over-rider/profit-sharing arrangements.
• Conversational Mandarin or Bahasa Malaysia for client and insurer interactions.

• Month-end close consistently delivered by working day 10, with a board-quality pack the CEO can use without rework.
• Investment data room is investor-ready: financials, KPIs, broker statements, regulatory documentation all live and current.
• All entities — Riskflow, Merlion, Emerge Singapore — operating on a unified chart of accounts with reconciled IBA positions.
• Quarterly reforecasts are delivered with credible, defensible assumptions; commercial leaders use FP&A outputs for decisions.
• Zero material findings in statutory audit or regulatory examination.