Financial Analyst

About INOI

INOI is a European electronics brand. The company specializes in the development and production of modern mobile devices, offering a wide range of innovative smartphones and tablets on Android, functional feature phones, and devices that seamlessly blend advanced technology with stylish design. In addition to hardware, INOI develops software and digital content to significantly enhance the user experience.

Pricing Positioning: INOI offers products in the affordable and mid-range segments, ensuring high quality at a reasonable price.

Quality: We strictly control all stages of production to guarantee the high quality of our devices. We use advanced technologies and innovations to meet and exceed our customers' expectations.

Benefits of Cooperation and Professional Team: With 30 years of market experience, we understand the needs of both distributors and end customers, offering favorable conditions and comprehensive support, making cooperation with us easy and professional.

Headquarters:

- Operations: Dubai, UAE

- Design and Marketing: Nice, France

INOI believes in the transformative power of innovation and technology, constantly striving to provide its customers with the best products and exceptional user experience.

History and Achievements:

INOI was founded in 2016 by Estonian businessman Vassili Sibirtsev and Finnish entrepreneur Victor Dmitrienko. Starting its operations in the CIS markets, the company successfully sold over 10 million devices.

In 2023, Debbie Zheng and Dr. Florian Seiche joined the Board of Directors, marking an important step in strengthening the leadership team. By the end of that year, INOI's products were introduced in Vietnam, MENA, and Switzerland.

In 2024, the company continued its expansion into the GCC, African, and Latin American markets, further broadening its global presence and strengthening its position on the international stage.

We believe in the transformative power of innovation and technology, constantly striving to deliver superior products and exceptional user experiences to our customers.

Job Title: Financial Analyst 
Location: Dubai Headquarters (with potential travel within Sub-Saharan Africa) 
Company Overview
We are a rapidly growing fintech (lending & payments) business, operating across multiple countries in Sub-Saharan Africa. Our goal is to enhance financial inclusion by offering responsible, innovative lending products to the underserved. We are seeking a highly analytical, detail-oriented Financial Analyst to support our Chief Financial Officer (CFO) in driving informed, strategic decision-making throughout the organization.
Position Summary
The Financial Analyst will play a critical role in assisting the CFO and the broader finance team with budgeting, forecasting, financial modeling, and performance analysis. This role requires a strong analytical mindset, solid knowledge of financial principles, and the ability to manage data from multiple sources. The Financial Analyst will also collaborate with various stakeholders across the holding company and its subsidiaries, helping to ensure financial efficiency, compliance, and strategic alignment in diverse market contexts.
Key Responsibilities
Financial Modeling & Analysis

• Develop and maintain complex financial models to support lending operations, new product launches, and investment decisions.
• Analyze historical performance and market trends to forecast revenue, cost, and profitability across different markets.
• Prepare scenario analyses and sensitivity models to inform strategic planning.

Budgeting & Forecasting

• Assist in the annual budgeting process, working closely with country finance teams and department heads. 
• Monitor budget performance, highlighting variances and providing actionable insights to improve financial outcomes. 
• Support quarterly and monthly forecasting efforts, ensuring accuracy and consistency in reporting.

Financial Reporting & Dashboards

• Collaborate with the CFO and finance managers to prepare regular financial reports and dashboards for executive leadership and Board presentations. 
• Consolidate financial data from operating subsidiaries, ensuring timely and accurate reporting.
• Identify key performance indicators (KPIs) and track them to measure success across the group.

Data Management & Insights

• Gather and analyze financial and operational data from multiple sources, including LMS (loan management) and ERP systems, bank statements, and internal business units. 
• Translate complex data sets into clear, concise insights to guide decision-making. 
• Recommend improvements to data collection, analysis processes, and financial systems.

Risk Management & Compliance Support

• Assist in assessing financial risks related to currency fluctuations, credit performance, and market conditions. 
• Support compliance activities, ensuring adherence to international accounting standards (IFRS) and local regulatory requirements. 
• Collaborate with the legal and compliance teams to maintain robust internal controls and governance processes.

• Stakeholder Collaboration
• Work closely with cross-functional teams (e.g., Operations, Product) to provide financial input into strategic initiatives and business cases. 
• Support the CFO in investor relations activities, including data analysis for fundraising, due diligence, and shareholder reporting. 
• Communicate findings and recommendations effectively to both finance and non-finance stakeholders.

Qualifications & Requirements
Education & Certification:

• Master’s degree in Finance, Accounting, Economics, or a related field (professional qualification such as CFA, ACCA, CPA is a plus). 

Experience:

• At least 5 years of experience in financial analysis, preferably in a financial services, consumer lending, or consulting environment. 
• Experience with emerging markets or Sub-Saharan Africa lending operations is advantageous.

Technical Skills

• Proficiency in financial modeling, budgeting, forecasting, and Excel-based analytics. 
• Familiarity with accounting software (e.g., ERP systems) and business intelligence tools (e.g., Power BI, Tableau). 
• Understanding of IFRS and other relevant accounting standards.

Soft Skills & Competencies

• Strong analytical and problem-solving abilities, with keen attention to detail. 
• Excellent written and verbal communication skills, able to present complex information clearly. 
• Adaptable and self-motivated, with the ability to manage multiple priorities in a fast-paced environment. 
• Team player with a collaborative approach, eager to learn and contribute to diverse projects.

What We Offer

• Competitive compensation package, including performance-based incentives. 
• Opportunity for professional growth and development within a dynamic, mission-driven organization. 
• Exposure to a diverse range of markets and financial operations across Sub-Saharan Africa. 
• A collaborative culture that values innovation, excellence, and social impact.