首席财务官（CFO）
Chief Financial Officer (CFO)
职位：首席财务官（CFO）
关于该职位
我们正在寻找一位成就卓越且具有商业战略眼光的首席财务官（CFO），负责多元化保险与投资组织的财务战略、财务表现、资本管理、投融资、资金管理、报告及财务治理。
CFO将作为高管领导团队的重要成员，为CEO/总裁和董事会提供战略建议，涵盖财务规划、保险会计、资本与偿付能力管理、投资组合表现、资产负债管理、资金管理、风险、监管报告和公司发展等方面。
成功的候选人需具备深厚的财务专业知识，同时拥有强大的商业和投资敏锐度，并能在高度监管的金融服务环境中运作。
主要职责
1. 财务战略与高管领导
制定并执行组织的整体财务战略。
就财务表现、资本配置、投资策略和企业价值创造向CEO、总裁和董事会提供建议。
将公司战略转化为财务计划、预算、预测和可衡量的目标。
在保险、投资和公司运营中主导财务决策。
在组织内建立强有力的财务治理和问责机制。
2. 财务规划、预算与绩效
主导年度预算、预测和长期财务规划。
开发财务模型和情景分析以支持战略决策。
监控收入、盈利能力、费用、资本效率和运营表现。
建立财务KPI和高管仪表盘。
识别提升盈利性、效率和股东回报的机会。
3. 保险财务与绩效
监督保险业务的财务管理，包括保费、理赔、准备金、费用和承保表现。
监控关键的保险财务指标，包括损失率、综合比率、费用率和承保盈利能力。
与精算、承保、理赔和风险团队合作，评估财务表现和新兴风险。
确保保险负债和准备金的适当财务处理和报告。
从财务角度支持定价、产品盈利能力、再保险和投资组合决策。
4. 投资财务与组合管理
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查看英文原文
Position:Chief Financial Officer (CFO)
About the Role
We are seeking an accomplished and commercially strategic Chief Financial Officer (CFO) to lead the financial strategy, financial performance, capital management, investment finance, treasury, reporting, and financial governance of a diversified Insurance & Investment organization.
The CFO will serve as a key member of the executive leadership team and strategic advisor to the CEO/President and Board, providing leadership across financial planning, insurance accounting, capital and solvency management, investment portfolio performance, asset-liability management, treasury, risk, regulatory reporting, and corporate development.
The successful candidate will combine deep financial expertise with strong commercial and investment acumen and will be capable of operating in a highly regulated financial-services environment.
Key Responsibilities
1. Financial Strategy & Executive Leadership
Develop and execute the organization's overall financial strategy.
Advise the CEO, President, and Board on financial performance, capital allocation, investment strategy, and enterprise value creation.
Translate corporate strategy into financial plans, budgets, forecasts, and measurable objectives.
Lead financial decision-making across insurance, investment, and corporate operations.
Establish strong financial governance and accountability across the organization.
2. Financial Planning, Budgeting & Performance
Lead annual budgeting, forecasting, and long-term financial planning.
Develop financial models and scenario analyses to support strategic decisions.
Monitor revenue, profitability, expenses, capital efficiency, and operating performance.
Establish financial KPIs and executive dashboards.
Identify opportunities to improve profitability, efficiency, and shareholder returns.
3. Insurance Finance & Performance
Oversee financial management of insurance operations, including premiums, claims, reserves, expenses, and underwriting performance.
Monitor key insurance financial metrics including loss ratios, combined ratios, expense ratios, and underwriting profitability.
Partner with actuarial, underwriting, claims, and risk teams to assess financial performance and emerging exposures.
Ensure appropriate financial treatment and reporting of insurance liabilities and reserves.
Support pricing, product profitability, reinsurance, and portfolio decisions from a financial perspective.
4. Investment Finance & Portfolio Management
Provide financial oversight of the organization's investment portfolio and investment activities.
Partner with the CIO/Chief Investment Officer and Investment Committee on portfolio strategy and performance.
Monitor investment income, realized/unrealized gains, asset allocation, liquidity, and risk-adjusted returns.
Evaluate investment opportunities and strategic asset-allocation decisions.
Ensure investment activities are aligned with the organization's liabilities, liquidity requirements, risk appetite, and regulatory requirements.
5. Capital, Solvency & Balance Sheet Management
Lead capital planning and balance-sheet optimization.
Monitor solvency, capital adequacy, liquidity, leverage, and financial resilience.
Develop strategies to optimize the organization's capital structure and return on capital.
Assess the financial impact of major business, investment, and insurance decisions on capital requirements.
Work closely with Risk and Actuarial functions on capital and solvency assessments.
6. Asset-Liability Management (ALM)
Provide executive financial oversight of asset-liability management.
Ensure investment portfolios are appropriately aligned with insurance liabilities and liquidity requirements.
Monitor duration, interest-rate sensitivity, liquidity gaps, and market exposures.
Support development of ALM strategies and balance-sheet optimization initiatives.
Ensure appropriate financial stress testing and scenario analysis.
7. Treasury & Liquidity
Oversee treasury, cash management, liquidity planning, and banking relationships.
Maintain adequate liquidity to meet claims, operating obligations, investment commitments, and strategic requirements.
Optimize cash deployment and short-term investment strategies.
Monitor interest-rate, foreign-exchange, credit, and liquidity exposures.
Establish robust treasury policies and controls.
8. Regulatory & Financial Reporting
Ensure accurate, timely, and transparent financial reporting to the Board, shareholders, regulators, and other stakeholders.
Oversee statutory accounts, management reporting, regulatory returns, and consolidated financial statements.
Ensure compliance with applicable accounting standards and insurance regulations.
Lead relationships with external auditors, regulators, actuarial advisers, tax advisers, and other professional stakeholders.
Maintain strong financial controls and governance frameworks.
9. Risk Management & Financial Controls
Establish effective financial risk-management frameworks.
Monitor exposure to market, credit, liquidity, underwriting, operational, interest-rate, and foreign-exchange risks.
Strengthen internal controls, financial policies, and governance processes.
Work closely with the CRO, Chief Actuary, CIO, and other executives to manage enterprise-wide financial risks.
Ensure appropriate stress testing and contingency planning.
10. Reinsurance & Capital Optimization
Provide financial oversight of reinsurance strategy and economics.
Evaluate the financial and capital implications of reinsurance arrangements.
Monitor reinsurance recoverables, counterparty exposure, and profitability.
Support optimization of risk transfer, capital efficiency, and balance-sheet resilience.
11. Corporate Development & Strategic Investments
Lead financial evaluation of acquisitions, strategic investments, joint ventures, and business expansion opportunities.
Oversee financial due diligence, valuation, transaction modeling, and investment cases.
Assess potential M&A opportunities and their impact on capital, solvency, earnings, and shareholder value.
Support negotiations with investors, financial institutions, and strategic partners.
12. Investor & Stakeholder Relations
Develop strong relationships with shareholders, institutional investors, banks, rating agencies, regulators, and other financial stakeholders.
Communicate financial performance, capital strategy, investment results, and business outlook to key stakeholders.
Support investor presentations, Board materials, and strategic financial communications.
13. Finance Transformation & Technology
Modernize finance systems, reporting infrastructure, ERP platforms, and financial analytics.
Improve automation, data quality, forecasting, and management reporting.
Establish real-time visibility into financial, insurance, investment, and risk performance.
Drive continuous improvement within the finance function.
14. Leadership & Talent Development
Lead Finance, FP&A, Treasury, Accounting, Financial Reporting, Tax, and related functions.
Build a high-performing and commercially focused finance organization.
Develop finance leadership talent and succession plans.
Promote a culture of integrity, accountability, financial discipline, and business partnership.
Key Performance Indicators
The CFO will be accountable for:
Revenue and earnings growth
Operating and net profitability
Return on equity (ROE)
Return on capital
Capital adequacy and solvency
Investment portfolio performance
Investment income and risk-adjusted returns
Combined ratio / underwriting profitability
Expense efficiency
Liquidity and cash-flow management
Balance-sheet optimization
Budget and forecast accuracy
Regulatory and financial reporting quality
Cost of capital
Financial risk management
Shareholder value creation
Candidate Profile
Essential Experience
15+ years of progressive finance experience, including significant executive leadership.
Previous experience as CFO, Group CFO, Finance Director, VP Finance, Deputy CFO, or equivalent.
Significant experience within insurance, asset management, investment management, banking, pensions, financial services, or a related regulated financial institution.
Strong understanding of insurance financial statements, investment portfolios, capital management, and regulatory requirements.
Proven experience managing complex balance sheets, liquidity, capital, and financial performance.
Strong experience working with Boards, regulators, auditors, investors, rating agencies, and senior executives.
Demonstrated experience in financial strategy, investment analysis, and capital allocation.
Preferred Experience
Experience as Group CFO within a diversified insurance or financial-services group.
Experience across both insurance and investment/asset-management businesses.
Experience with life insurance, general insurance, health insurance, pensions, or reinsurance.
Exposure to institutional investment portfolios and alternative investments.
Experience with M&A, strategic investments, capital raising, restructuring, or corporate transformation.
Experience operating across multiple jurisdictions or regulated markets.
Experience interacting with insurance regulators and rating agencies.
Education & Professional Qualifications
Bachelor's degree in Accounting, Finance, Economics, Business Administration, or a related discipline.
Professional qualification such as CA, ACCA, CPA, CMA, CFA, or equivalent strongly preferred.
MBA or Master's degree in Finance/Business is an advantage.
Relevant insurance, actuarial, investment, or risk-management qualifications are advantageous.
Core Competencies
Insurance Finance
Corporate Finance
Investment Finance
Capital & Solvency Management
Asset-Liability Management
Treasury & Liquidity
Financial Planning & Analysis
Investment Analysis
Financial Modeling
Risk Management
Regulatory Reporting
Insurance Accounting
M&A & Corporate Development
Capital Allocation
Investor Relations
Corporate Governance
Financial Transformation
Leadership Characteristics
The successful CFO will be:
Strategic, commercially minded, and financially rigorous
Highly analytical and investment-oriented
Experienced in highly regulated environments
Strong in capital and balance-sheet management
Comfortable engaging with Boards, regulators, investors, and rating agencies
Able to balance growth, profitability, liquidity, capital, and risk
An effective strategic partner to the CEO, CIO, CRO, and Chief Actuary
Strong in complex financial decision-making
A transformational finance leader capable of building high-performing teams
Compensation
A competitive executive compensation package comprising base salary, performance-based incentives, executive benefits, and other benefits commensurate with experience and market benchmarks.
Originally posted on Himalayas