Manager - FP&A

Roles & Responsibilities

• Budgeting & Forecasting:
• Regular monitoring of budgets and forecasts across product lines.
• Build and manage financial models, rolling plans, and variance analyses.
• Maintain and track budget forecasts through Excel and dashboard tools.
• Product & Business Understanding:
• Deep understanding of fintech products, credit lines, and co-lending models (CLM1, CLM2).
• Break down financial products at an elemental level to identify key revenue and cost drivers.
• Dashboarding & Reporting:
• Continuously evaluate borrower engagement, repayment behavior, FX sensitivity (INR fluctuations), and loan portfolio aging.
• Track key regulatory ratios (such as capital adequacy, provisioning norms, DPD buckets) for internal and external reporting.
• Support finance teams in preparing RBI-mandated reports, ALM statements, and returns such as NBS-9, CRAR, and P&L disclosures, as may be applicable
• Track and report performance by partner and product type, including revenue shares, capital allocation, exposure, and payouts.
• Build reconciliation mechanisms between partner MIS and internal systems.
• Work with partnerships and operations teams to align financial terms and performance KPIs.
• Prepare board-level presentations and investor performance updates with financial insights and narrative clarity.
• Treasury Planning:
• Forecast and monitor liquidity positions and fundraising/borrowing needs based on disbursements, repayments, and capital availability.
• Collaborate with treasury to align cash flow forecasts with fund-raise cycles and co-lending partner cash movements.
• Maintain a short-term and long-term view of cash flow, factoring in portfolio performance and capital costs.
• Analyze delinquency trends (DPD buckets), recovery rates, credit losses, and provisioning needs.
• Strategic Contribution:
• Conduct market research to support new product ideation.
• Be curious and proactive in helping shape and launch new offerings.
• Support compliance processes at a basic functional level
  

Requirements

• CA or MBA in Finance from a reputed institute.
• 6–10 years of FP&A or strategy experience in a fintech or NBFC environment.
• Strong understanding of SCF and co-lending business models.
• Hands-on expertise in Excel, financial modelling, and dashboarding tools.
• Prior experience in building management reporting structures and tools.
• Proven ability to break down complex financial products into key components.
• Self-starter with curiosity to solve business problems and support product innovation.
  

Location: