Group Chief Financial Officer

Group Chief Financial Officer (Group CFO)

About the Role

We are seeking an accomplished and strategically minded Group Chief Financial Officer (Group CFO) to lead the financial strategy performance capital management investment finance and financial governance of a diversified Insurance & Investments Group.

The Group CFO will have enterprise-wide responsibility for the Groups financial affairs overseeing finance across subsidiaries business units investment entities and operating companies.

As a key member of the Group Executive Leadership Team the Group CFO will serve as a strategic advisor to the Group CEO President Board Investment Committee and other senior stakeholders ensuring disciplined capital allocation strong financial performance balance-sheet resilience regulatory compliance and long-term shareholder value creation.

The role requires a sophisticated financial leader with experience across insurance investment management asset management financial services corporate finance capital markets and regulated financial institutions.

Key Responsibilities

1. Group Financial Strategy & Leadership

Develop and execute the Groups overall financial strategy in alignment with corporate objectives.

Provide strategic financial advice to the Group CEO President Board and Executive Committee.

Establish Group-wide financial policies standards controls and performance frameworks.

Ensure effective financial governance across subsidiaries business units joint ventures and investment entities.

Lead the development of the Groups long-term financial and capital strategy.

2. Group P&L & Financial Performance

Assume overall responsibility for the Groups financial performance profitability balance sheet cash flow and capital position.

Monitor performance across all subsidiaries and business lines.

Drive sustainable earnings growth expense efficiency and return on capital.

Establish Group-wide financial KPIs and performance dashboards.

Challenge business-unit leadership on financial performance and corrective actions.

3. Financial Planning & Performance Management

Lead Group-wide annual budgeting forecasting and long-range financial planning.

Develop financial scenarios and stress tests to support strategic decision-making.

Consolidate financial plans across subsidiaries and investment businesses.

Monitor actual performance against budgets forecasts and strategic objectives.

Strengthen management reporting and financial analytics.

4. Insurance Finance

Provide executive oversight of financial management across insurance businesses.

Monitor premiums claims reserves expenses underwriting results and insurance profitability.

Oversee financial analysis of loss ratios combined ratios expense ratios and underwriting margins.

Partner with actuarial underwriting claims and risk functions to understand financial exposures.

Provide financial input into product profitability pricing reinsurance and portfolio decisions.

5. Investment & Asset Management Finance

Provide Group-level financial oversight of investment portfolios and investment businesses.

Partner with the Chief Investment Officer (CIO) and Investment Committee on investment strategy and performance.

Monitor investment income portfolio returns asset allocation liquidity and risk-adjusted performance.

Evaluate strategic investment opportunities and major portfolio decisions.

Ensure investment activities support the Groups liabilities capital objectives liquidity needs and risk appetite.

6. Group Capital & Solvency Management

Lead Group-wide capital planning and capital optimization.

Monitor capital adequacy solvency leverage liquidity and financial resilience.

Develop strategies to optimize capital deployment across subsidiaries and business lines.

Assess the capital implications of acquisitions investments dividends growth initiatives and strategic transactions.

Partner with Risk and Actuarial leadership on capital and solvency assessments.

7. Asset-Liability Management

Provide executive oversight of asset-liability management (ALM) across relevant insurance and investment businesses.

Ensure investment portfolios are appropriately aligned with insurance liabilities and liquidity requirements.

Monitor duration interest-rate sensitivity liquidity gaps and market exposures.

Support balance-sheet optimization and financial stress-testing initiatives.

8. Treasury & Liquidity

Lead Group treasury liquidity cash management and banking relationships.

Establish Group-wide liquidity policies and funding strategies.

Optimize cash across subsidiaries while maintaining appropriate regulatory and operational liquidity.

Oversee debt facilities guarantees intercompany funding and treasury risk.

Monitor interest-rate foreign-exchange credit and liquidity exposures.

9. Capital Raising & Financing

Lead Group-level financing and capital-raising initiatives.

Develop relationships with banks institutional investors private equity firms development-finance institutions debt providers and capital-market participants.

Oversee debt issuance refinancing capital injections and other funding strategies.

Optimize the Groups capital structure and cost of capital.

Ensure funding capacity supports strategic growth.

10. M&A Investments & Corporate Development

Lead financial evaluation of acquisitions disposals strategic investments and joint ventures.

Oversee financial due diligence valuation transaction modeling and deal structuring.

Assess the impact of transactions on earnings capital solvency liquidity and shareholder value.

Partner with the CEO and Board on major strategic transactions.

Oversee financial integration and post-transaction performance.

11. Group Financial Reporting & Consolidation

Ensure accurate and timely consolidated financial reporting across the Group.

Oversee statutory accounts management reporting regulatory returns and Board reporting.

Establish consistent accounting and reporting standards across subsidiaries.

Ensure compliance with applicable accounting standards and insurance regulations.

Maintain strong relationships with external auditors and professional advisers.

12. Regulatory & Governance

Maintain strong financial governance across the Group.

Ensure compliance with applicable insurance investment corporate tax and financial regulations.

Manage relationships with regulators auditors rating agencies and other external stakeholders.

Establish effective internal controls and financial policies.

Ensure appropriate governance across subsidiaries SPVs joint ventures and investment entities.

13. Financial Risk Management

Establish and oversee the Groups financial risk-management framework.

Monitor market credit liquidity underwriting investment interest-rate FX and operational financial risks.

Establish appropriate stress-testing and contingency-planning processes.

Work closely with the Group CRO Chief Actuary CIO and business leaders to manage enterprise-wide risk.

14. Tax Strategy

Oversee Group-wide tax planning compliance reporting and risk management.

Ensure appropriate tax governance across subsidiaries and jurisdictions.

Identify opportunities for legitimate tax efficiency.

Monitor changes in tax and regulatory requirements affecting the Group.

15. Investor & Stakeholder Relations

Develop strong relationships with shareholders institutional investors lenders rating agencies regulators and other financial stakeholders.

Lead financial communications to the Board and key investors.

Support investor presentations annual reports strategic reviews and capital-market activities.

Clearly communicate the Groups financial strategy performance and outlook.

16. Finance Transformation

Modernize the Groups finance operating model systems processes and reporting infrastructure.

Strengthen ERP FP&A consolidation business intelligence and financial analytics capabilities.

Drive automation and digital transformation across finance.

Improve transparency and real-time visibility across subsidiaries and business units.

17. Leadership & Organizational Development

Lead the Group Finance function and senior finance leadership across subsidiaries.

Develop a high-performing commercially focused finance organization.

Establish common standards talent-development programs and succession plans.

Build strong relationships with subsidiary CFOs and Finance Directors.

Promote a culture of integrity accountability financial discipline and value creation.

Key Performance Indicators

The Group CFO will be accountable for:

Group revenue and earnings growth

Group EBITDA / net income performance

Return on equity (ROE)

Return on capital

Capital adequacy and solvency

Investment portfolio performance

Investment income and risk-adjusted returns

Insurance underwriting profitability

Combined ratio / loss ratio performance

Expense efficiency

Liquidity and cash-flow strength

Balance-sheet optimization

Cost of capital

Capital-raising effectiveness

M&A and strategic-investment performance

Budget and forecast accuracy

Regulatory and reporting compliance

Financial risk management

Shareholder value creation

Candidate Profile

Essential Experience

18 years of progressive finance experience including substantial Group or enterprise-level leadership.

Previous experience as Group CFO CFO Deputy Group CFO Group Finance Director Finance Director or equivalent.

Significant experience within insurance investment management asset management banking pensions reinsurance or diversified financial services.

Proven experience managing complex group structures subsidiaries investment entities and regulated businesses.

Strong understanding of insurance financial reporting capital and solvency requirements investment portfolios and balance-sheet management.

Demonstrated experience in capital allocation treasury liquidity financial planning and enterprise risk.

Experience working directly with Boards CEOs regulators auditors investors lenders and rating agencies.

Preferred Experience

Previous Group CFO experience within a diversified insurance or investment group.

Experience covering both insurance operations and investment/asset-management businesses.

Exposure to life insurance general insurance reinsurance pensions or institutional investment.

Experience managing significant investment portfolios and ALM.

Proven experience with M&A capital raising restructuring strategic investments or international expansion.

Experience across multiple jurisdictions and regulatory environments.

Experience working with international institutional investors or rating agencies.

Education & Professional Qualifications

Bachelors degree in Finance Accounting Economics Business Administration or a related discipline.

Professional qualification such as CA ACCA CPA CMA CFA or equivalent strongly preferred.

MBA or Masters degree in Finance/Business is advantageous.

Additional insurance investment actuarial or risk-management qualifications are desirable.

Core Competencies

Group Financial Leadership

Corporate Finance

Insurance Finance

Investment Finance

Capital & Solvency Management

Asset-Liability Management

Treasury & Liquidity

Financial Planning & Analysis

Investment Analysis

Financial Modeling

Capital Allocation

M&A & Corporate Development

Regulatory Reporting

Risk Management

Investor Relations

Corporate Governance

Finance Transformation

Leadership Characteristics

The successful Group CFO will be:

Strategic commercially astute and financially rigorous

Comfortable operating across complex group structures

Strong in capital allocation and investment decisions

Experienced in highly regulated environments

A sophisticated communicator at Board and investor level

Strong in balance-sheet and liquidity management

Comfortable challenging business leaders and driving accountability

Able to balance growth profitability capital liquidity and risk

An effective partner to the CEO CIO CRO Chief Actuary and subsidiary CEOs

A transformational leader capable of building a world-class Group Finance function

Compensation

A competitive executive compensation package comprising base salary performance-based incentives executive benefits and other benefits commensurate with experience and market benchmarks.