About Ryt Bank
Ryt Bank is the world's first AI-powered digital bank, redefining the future of financial services through technology, data, and innovation. As a licensed digital bank regulated by Bank Negara Malaysia (BNM) and currently operating within the foundational phase of our licensing framework, we are on a deliberate path to graduate from this phase within five years — achieving a clear and credible trajectory to profitability. Our Finance team sits at the heart of this journey, providing the financial rigour, strategic foresight, and regulatory discipline that underpin everything we do.
Role Overview
The role will be a core contributor to Ryt Bank's financial planning, forecasting, management reporting, and systems capabilities. Reporting to the Head of FP&A, this is a hands-on role requiring strong analytical depth, comfort with ambiguity, and the ability to move quickly when strategic priorities shift. The successful candidate will play a key role in maintaining our monthly capital and regulatory forecasts, driving the integrity of our five-year financial projections, and advancing the bank's Workday Adaptive Planning environment — all while acting as a disciplined financial partner to the business.
Key Responsibilities
Financial Planning, Forecasting & Regulatory Capital
- Support the annual budget cycle end-to-end — coordinating inputs across the business, challenging assumptions, and preparing the budget for Board of Directors (BOD) approval
- Maintain the monthly rolling forecast cycle, ensuring all BNM regulatory capital and liquidity thresholds are met at all times to safeguard the bank's operating license
- Own and continuously develop the bank's five-year financial projections, providing a credible and substantive path to profitability and graduation from BNM's foundational phase
- Coordinate the annual socialisation of the five-year plan with BNM, working closely with business teams to ensure projections are grounded in validated strategic assumptions
- Prepare scenario analyses and capital planning materials for shareholder engagements, supporting the CFO in capital raising discussions
- Continuously refine financial models to reflect the bank's evolving operating environment, funding position, and regulatory requirements
Management Reporting & Analytics
- Produce monthly management accounts, executive dashboards, and board reporting packs
- Deliver clear variance commentary (actual vs. budget vs. forecast) — FP&A is the bank's source of financial truth and must proactively surface deviations before they escalate
- Develop and enhance reporting frameworks and KPIs aligned to the bank's strategic priorities and foundational phase milestones
Workday Adaptive Planning & Systems
- Actively support the ongoing maintenance and enhancement of Workday Adaptive Planning as the bank's core FP&A tool
- Leverage Workday ERP and HCM data within planning and cost models, ensuring integrity across systems
- Identify and implement improvements to model architecture and automation capabilities within the planning environment
Business Partnering & Campaign Governance
- Partner with business unit heads to provide financial insights that support decision-making, cost discipline, and investment prioritisation
- Serve as the first layer of financial review for marketing and rewards campaigns — assessing commercial viability and calling out initiatives that risk poor returns
- Ensure the bank maintains disciplined management of Customer Acquisition Cost (CAC) and cost per retention metrics
- Support ad hoc financial analysis and special projects as directed by the Head of FP&A or CFO
Qualifications & Experience
- Bachelor's degree in Finance, Accounting, Economics, or a related discipline
- Professional qualification in accounting or finance (ACCA, CPA, CFA or equivalent)
- Minimum 5–8 years of progressive finance experience with substantial exposure to FP&A, financial planning, or management reporting
- Hands-on experience with an ERP system (Workday, SAP, Oracle or equivalent) and a dedicated FP&A or EPM planning tool (Workday Adaptive Planning, Anaplan, or similar)
- Strong financial modelling skills with advanced proficiency in Excel
- Experience in a banking, financial services, or regulated financial institution is strongly preferred
- Experienced working in a start-up, high-growth, or early-stage financial institution
Key Competencies
Strategic & Analytical Thinking
- Synthesises complex financial data into clear narratives and actionable recommendations for senior management
- Connects financial outputs to business strategy — understands what the numbers mean and what decisions need to follow
Agility & Adaptability
- Thrives when strategy shifts — able to pivot quickly, restructure models, and produce relevant analysis without losing accuracy
- Comfortable in a start-up environment where processes are still being built; brings solutions rather than waiting for perfect conditions
- Resilient through steep learning curves with a positive, ownership-driven mindset
Stakeholder Management
- Builds genuine, trust-based relationships — goes beyond transactional interactions to understand the commercial context behind requests
- Confident presenting to senior management and external stakeholders including BNM and shareholders
- Delivers difficult messages — challenging flawed assumptions or unviable campaigns — with clarity, data, and diplomacy
Technology & Automation Mindset
- Actively seeks to eliminate manual processes and embraces technology, including AI tools, to free up time for higher-value work
- Willing to invest in learning new systems even when the process is difficult; brings a builder's mentality to improving how FP&A operates
- Treats automation as an ongoing discipline — consistently looking to make the team's processes faster, more accurate, and more scalable
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