APJ Juweller Pte Ltd, is a trusted shopping destination for Silver and Gold jewellery in Singapore. We are reputed organization inLittle India, serving Singaporeans for more than a decade. We do follow fair practice in recruiting staffs for our firm.

We are young and growing company and hence, we are looking for people who are versatile in their work. Their main task is to ensure the high-quality stock is available in right-quantity in the shop, as per customer's needs in right-time. Being in Jewellery field, they need to do small ornament repairs or quality check work on their own.

Currently we are looking for FINANCIAL ANALYST for our firm . He / She plays a crucial role in maintaining company's Financial and Business Matters thereon.

Role Overview

We are looking for a high-caliber Financial Analyst who can operate in the complex, high-value environment of the gold and diamond jewelry business. This role requires a sharp financial mind, strong banking or investment-sector fundamentals, and the ability to rapidly learn industry-specific dynamics such as gold pricing, inventory valuation, and margin structures.

This is a hands-on, accountability-driven role. You will be expected to move quickly from learning to execution and to protect profitability in a business where price volatility and working capital risk are constant.

Core Responsibilities (Common Across All Units)

• Perform detailed financial, margin, and variance analysis across products, channels, and geographies.
• Analyze working capital, cash flows, and inventory funding structures.
• Build and maintain financial models for pricing, forecasting, and scenario analysis.
• Track exposure to gold price volatility, foreign exchange (for exports) and interest costs.

• Support budgeting, forecasting, MIS, and management reporting.
• Act as a financial control partner to business teams, ensuring data integrity and discipline.
• Continuously learn and adapt to jewelry-specific costing, valuation, and operational workflows.

Unit-Specific Responsibilities

Retail Jewelry Focus

• Analyze store-level profitability, same-store sales growth, and category-wise margins.
• Track making charges, discounts, schemes, and promotional impact on margins.
• Monitor inventory aging, fast vs slow movers, and capital lock-in.
• Evaluate customer financing, gold exchange programs, and loyalty schemes.

Manufacturing Unit Focus

• Analyze manufacturing costs, wastage, yield loss, and recovery rates.
• Monitor WIP inventory, production efficiency, and cost absorption.
• Partner with operations to improve bill-of-materials accuracy and process costing.
• Identify cost leakages and recommend process and control improvements.

Banking / Investment Skill Integration (Critical Requirement)

• Apply banking-sector discipline to cash flow forecasting, credit utilization, and fund deployment.
• Analyze interest costs, loan structures, and inventory funding mechanisms.
• Support investment-style decision-making: ROI analysis, capital allocation,and risk-adjusted returns.
• Interface confidently with banks, lenders, and financial institutions.
• Leverage experience in equity research, credit analysis, treasury, or corporate banking to elevate financial insights.

Required Qualifications

• MBA in Business Management , Business Administration preferred
• 4-6 years of experience in:
• Jewelry industry OR
  
  Banking, investments, corporate finance, or treasury with strong analytical exposure
• Advanced Excel skills; experience with ERPs or financial systems preferred

Key Competencies

• Strong learning agility - ability to master industry-specific concepts quickly
• Analytical mindset with a risk-aware approach
• Ability to work in a fast-moving, high-value environment
• Professional skepticism-comfortable questioning numbers and assumptions
• Strong adherence and Compliance to Singapore Statutory requirements.

Performance Expectations

• Achieve working knowledge of gold, diamond, and jewelry costing within the first 60-90 days
• Deliver actionable financial insights that improve margins and cash flow
• Strengthen financial reporting quality and decision-making

Who This Role Is Ideal For

• Analysts from banking, investment, or financial services seeking to move into a real-asset, operating business

** WE REGRET TO INFORM THAT ONLY SHORT-LISTED CANDIDATES WILL ONLY BE NOTIFIED***