We are looking for a highly analytical and business-oriented finance skilled to support strategic financial analysis, budgeting, business performance monitoring, and peer benchmarking for our fintech/NBFC business. The role will work closely with senior management on financial planning, portfolio analytics, profitability tracking, and key regulatory/business metrics monitoring. The ideal candidate should have strong understanding of NBFC/fintech financials, lending business economics, portfolio metrics, and management reporting.
Key Responsibilities:
• Financial & Business Analysis:
1. Perform detailed analysis of Balance Sheet, Profit & Loss, and portfolio performance on a monthly and quarterly basis.
2. Conduct variance analysis between budgeted vs actual financial and operational numbers.
3. Analyze key business drivers including:
➢ CAC (Customer Acquisition Cost)
➢ Risk Cost / Credit Cost
➢ Collection efficiency
➢ Portfolio yield
➢ Cost of funds
➢ Operating leverage
4. Monitor and analyze segment-wise profitability and business-wise P&L.;
• Strategic & Peer Benchmarking
1.
Compare company financials and operational metrics with peer fintech/NBFC companies.
2. Prepare competitor benchmarking reports covering:
➢ Growth trends
➢ Profitability
➢ Asset quality
➢ Capital adequacy
➢ Borrowing profile
➢ Cost structure
3. Support management with strategic insights and decision-making analysis.
• MIS, Budgeting & Forecasting
1. Prepare monthly MIS, management dashboards, and business review presentations.
2. Track budget vs actual performance across departments and business verticals.
3. Build financial models and projections for management review.
4. Support annual budgeting and rolling forecast exercises.
• Regulatory & Portfolio Metrics Monitoring
1. Track and monitor important financial and regulatory ratios including:
➢ CRAR
➢ LCR
➢ Debt-Equity Ratio
➢ GNPA / NNPA
➢ NIM
➢ ROA / ROE
➢ Cost to Income Ratio
2. Monitor current and projected numbers for management pla