The Blues are under constant scrutiny from UEFA to meet the governing body's spending regulations, with their accounts checked for the last two years consecutively.
Mourinho believes that the restrictions will see him work more closely with the board this time around in West London, while also forcing the Portuguese coach to keep a closer eye on options currently on loan.
He told the club's official website: "It's very motivational and demands more from you. You have to think more about every decision and every move.
"Every wrong move you make has an influence on the future. You need to work more closely with the board in the financial area, you have to have a different perspective and a different look at the players on loan and youth football.
"It's more global. Instead of just focusing on your team, and your targets and ambitions, it's an overall view. It's a different profile of job and I'm happy with that, I'm enjoying that."
German forward Andre Schurrle has already joined the club from Bayer Leverkusen this month, with a whole host of players including Edinson Cavani, Hulk and Wesley Sneijder also linked with a summer switch to Stamford Bridge.