Chief Financial Officer

Reimagine access. Reimagine ownership. Build the future with Cinch.

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 (S&OP) 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: Manag