Job Description
Benow is a technology-driven financial services company redefining affordability and payments in India. As one of the country’s leading Buy Now, Pay Later (BNPL ) and digital payments platforms, we seamlessly connect customers, merchants, brands, and financial partners to modernize how transactions happen
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At our core, we believe in simplifying payments — moving away from legacy hardware-centric systems to a fully digital, agile ecosystem that empowers retail growth and enhances customer experience. Our solutions span mobile, CDIT devices, UPI, instant EMI, and unique features like instant cashback and pre-reserve journeys.
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Role Description
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The Director – Finance will serve as a strategic finance partner to business leadership, driving financial planning, performance management, business insights, and decision support across the organization.
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The role will own budgeting, forecasting, management reporting, working capital optimization, profitability analysis, and business performance reviews while enabling data-driven decision making. The incumbent will play a key role in improving financial governance, strengthening controls, driving automation, and supporting the company's growth strategy.
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The responsibilities we entrust you with.
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1. Financial Planning & Business Performance
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- Lead Annual Operating Plan (AOP), budgeting, rolling forecasts, and long-range planning.
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- Develop robust financial models to support strategic decisions, investments, pricing, and growth initiatives.
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- Monitor business performance against budgets and KPIs, identifying risks and opportunities.
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- Deliver actionable insights on revenue growth, margin improvement, profitability, and cost optimization.
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- Drive scenario planning and sensitivity analysis to support leadership decisions.
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2. Management Reporting & MIS
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- Own monthly, quarterly, and annual management reporting for senior leadership.
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- Prepare Board, CEO, CFO and Investor-ready financial dashboards and performance packs.
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- Ensure timely, accurate and insightful reporting with meaningful variance analysis.
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- Build automated dashboards and KPI scorecards for business tracking.
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- Standardize MIS across business units and subsidiaries.
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Strategic Finance & Business Partnering
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- Partner with Business Heads, Sales, Operations, Product and Technology teams to influence commercial decisions.
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- Evaluate recent business opportunities through financial modelling and investment analysis.
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- Support pricing strategy, product profitability, customer profitability and commercial negotiations.
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- Prepare business cases for strategic initiatives, partnerships and capital allocation.
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- Act as a trusted advisor to business leaders on financial performance and value creation.
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4. P&L; Ownership
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- Drive end-to-end P&L; analysis for business units and products.
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- Monitor revenue, gross margins, operating costs and EBITDA performance.
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- Identify key business drivers and recommend actions to improve profitability.
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- Track productivity metrics and operating leverage across businesses.
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5. Working Capital & Cash Flow Management
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- Drive working capital optimization across receivables, payables and inventory.
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- Monitor cash conversion cycle and liquidity metrics.
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- Partner with operations and commercial teams to improve collections and optimize vendor payments.
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- Support treasury planning and cash flow forecasting.
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6. Financial Controls & Governance
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- Ensure integrity, accuracy and completeness of financial information.
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- Partner with Accounting during monthly and quarterly financial close.
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- Strengthen financial controls, policies and governance frameworks.
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- Support internal and statutory audits with high-quality financial analysis.
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7. Process Excellence & Automation
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- Drive continuous improvement across finance processes.
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- Identify opportunities for automation, digitization and AI-led reporting.
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- Build scalable reporting frameworks using Oracle ERP and Business Intelligence tools.
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- Improve reporting efficiency and reduce manual interventions.
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Key Deliverables
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- Annual Budget & Rolling Forecast
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- Monthly Business Performance Review
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- Board & Management MIS
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- Financial Models & Business Cases
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- Profitability Analysis
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- Working Capital Dashboard
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- Cash Flow Forecast
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- KPI & Performance Dashboards
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- Automation & Process Improvement Initiatives
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Candidate Profile
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Education
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- Chartered Accountant (CA)
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Experience
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- 10–15 years of post-qualification experience in FP&A;, Business Finance or Commercial Finance.
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- Experience in FinTech, Payments, Banking, Financial Services or high-growth technology organizations is preferred.
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- Strong exposure to budgeting, forecasting, management reporting and business partnering.
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- Experience in Oracle ERP is recommended.
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- Exposure to Business Intelligence tools (Power BI/Tableau) will be an added advantage.
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Required Competencies
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Technical
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- Financial Planning & Analysis
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- Business Finance
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- Financial Modelling
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- Management Reporting
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- Working Capital Management
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- P&L; Management
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- Budgeting & Forecasting
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- Cash Flow Planning
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- Variance Analysis
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- Oracle ERP
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- Advanced Excel & PowerPoint
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- Power BI / Tableau (Preferred)
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Why Join Us
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- Opportunity to work closely with senior leadership and influence strategic business decisions.
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- Exposure to high-growth fintech and digital payments ecosystem.
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- Ownership of business-critical finance initiatives.
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- Opportunity to drive finance transformation through automation, analytics, and AI-enabled decision support.
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High visibility role with significant career growth potential.
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What we value in our people:
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- You take the Shot : You decide fast and delive r right.
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- You are the CEO of what you do: You show ownership and make things happen.
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- You own tomorrow: You build solutions for the merchants and do the right thing.
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- You sign your work like an artist: You seek to learn and take pride in the work you do.
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- You are the Sherpa: You take people along and act in the interest of Pine Labs
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- You care with toug h love: You empower others and help people grow.
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📌 Director Business Finance (Mumbai)
🏢 Benow
📍 Mumbai