Finance Lead

Location:

Perth, Australia, Remote

Position Type:

Part-time

Background:

Bless Payments is a global money service business with a mission to level the playing field of money movement. We are building a super app that allows users to send, spend, receive, convert, and invest money. Two of our four products are live in Australia, enabling instant transfers, no transaction or cash out fees on card spend - cheaper than any bank.

Bless has also recently launched in Canada and plans to launch in the UK in 2027 and the USA by 2028.

Job Summary

Bless Payments is looking for a dynamic and experienced Finance Lead to own the full finance function: from day-to-day accounting, reconciliations and compliance through to strategic planning, pricing strategy and financial reporting - playing a critical role in shaping the financial health and direction of the business as we scale across new markets. This is initially a part-time role with the opportunity to transition to full-time, reporting directly to the Chief Executive Officer based in Australia.

Key Responsibilities

• Finance Strategy: Develop the strategy to build and scale our finance function across the countries we operate in, drive and analyse business performance and improvements, as well as support key commercial decisions.
• Pricing Strategy: Lead pricing strategy, including comparison to competitors and dynamically update pricing for existing and new products to maximise profitability and competitiveness.
• Budgeting, Planning, and Forecasting: Drive the end-to-end process to develop the annual budget, update monthly forecasts, and compare against monthly actuals to support business objectives. Analyse trends and variances to provide actionable recommendations to management.
• Journaling Revenue and Cost Accounting: Manage the recording of revenue across all products and expenses in accounting software, ensuring all financial transactions are correctly documented, categorised, and aligned to a chart of accounts.
• Margin Analysis and Cash Flow Management: Analyse margins and oversee cash flow and working capital to ensure the business is working towards profitability and is appropriately funded
• Treasury Management: Work with the FX SME on FX strategy, policy, and treasury operations, and to ensure liquidity is managed effectively.
• Reconciliation of Customer Transactions: Oversee daily, weekly, and monthly reconciliation of customer transactions across third-party partners and our own systems to ensure accuracy and integrity of financial data.
• Financial Reporting: Prepare and deliver accurate and timely financial reports, including weekly cash flow, quarterly profit and loss statements, and balance sheets. Present findings and recommendations to management and the Board.
• Tax and Incentives: Work with external accountants to prepare annual tax returns and other filings, such as quarterly business activity statements. Work with advisors and management on preparing and submitting research and development tax incentive claims.
• Compliance and Governance: Develop policies, processes, and controls, and work with stakeholders, including external accountants, lawyers, and the internal compliance team and management, to ensure all financial activities comply with the regulations and standards in the countries we operate in
• Process Improvement, Controls, and Automation: Establish and continuously improve financial processes, systems, and internal controls to support scalable growth, including developing a strategy to leverage AI to automate processes and drive efficiency across the finance function.

Skills and Experience

• Bachelor's degree in Accounting, Finance, Audit or a related field.
• Chartered Accountant (CA) or Certified Public Accountant (CPA) certification is required.
• Minimum of 7 years’ experience in the Financial Services industry, or Big 4, preferably with a focus on remittance, currency exchange, or international cards, including experience in finance leadership, management, or strategy.
• Experience managing the full finance function, including reporting, compliance, strategic planning, and commercial decision support.
• Experience working within startups or fast-paced, high-growth environments, with the ability to operate both hands-on and strategically.
• Strong understanding of financial regulations specific to money service businesses, including AML/CTF requirements.
• Experience in tax compliance, including preparation of annual tax returns, business activity statements, and R&D tax incentive submissions.
• Familiarity with FX, treasury operations, and working capital management in an international context.
• Experience with pricing strategy and margin analysis, with a commercial mindset and the ability to link financial insight to business outcomes.
• Proficiency in accounting software (Xero preferred) and a track record of implementing or optimising finance systems.
• Demonstrated ability to leverage technology, including AI-driven tools, to automate financial processes and drive efficiency.
• Excellent analytical, problem-solving, and decision-making skills, with exceptional attention to detail and a strong sense of data integrity.
• Strong communication and stakeholder management skills, with the ability to present clearly to executives and Board members.
• Ability to work both independently and collaboratively, while effectively leading, mentoring, and developing team members.
• An agile, can-do mindset with the ability to manage competing priorities and adapt in a fast-paced, growth- focused environment without compromising on quality.

Benefits

• Competitive salary
• Flexible working hours and a remote-first environment
• Join a fast-paced, high-growth global fintech startup
• Opportunity to shape a platform that impacts lives worldwide
• Accelerate your career by working closely with experienced co-founders
• An opportunity to shape the role and develop into a more senior role as the business grows