ROLE PURPOSE & OBJECTIVE:

- Build business planning, budgeting and profitability management framework for the MSME business by anchoring annual operating plans, monthly outlooks, revenue tracking, cost controls and performance governance.

- Own P&L; visibility across products, segments, regions and channels, ensuring timely identification of revenue opportunities, margin movements, cost pressures, credit-cost trends and profitability improvement levers.

- Partner with Business, Finance, Risk, Credit, Operations, Analytics and Product teams to translate plans into actionable targets, dashboards, performance reviews and corrective interventions.

- Support leadership decision-making through sharp financial analysis, scenario modelling, variance analysis, productivity tracking and structured business review notes.

- Own branch-level and regional-level profitability monitoring by tracking revenue, costs, credit costs, contribution margins and risk-adjusted returns; identify profitability improvement opportunities, support performance governance and drive actionable interventions to enhance business performance.

- Own MSME business planning, budgeting, forecasting and P&L; tracking cadence in partnership with Finance and Business teams.

- Track revenue, NII, fee income, opex, cost of funds, credit cost, profitability and contribution margin against agreed targets.

- Develop product-wise, region-wise,



channel-wise and segment-wise profitability views for business reviews and strategic decisions.

- Monitor disbursement, AUM, yield, spread, approval rate, TAT, conversion, productivity, portfolio quality and collection-related financial impact.

- Build financial models for new products, pricing changes, channel expansion, campaigns, pilots and policy changes.

- Support management reviews with concise dashboards, commentary, insights and action trackers.

- Work with business, regional and product teams to translate financial plans into executable targets and performance scorecards.

- Support leadership discussions with explicit articulation of business drivers, profitability levers, risks and opportunities.

- Maintain structured governance for plan versus actuals, revenue bridge, cost bridge, profitability bridge, forecast changes and action closures.

Educational Qualifications:

- CA qualified or MBA Finance. Additional qualification in Business Analytics, Financial Modelling, Risk Management or Banking is preferred.

Experience:

- 5 to 8 years of experience in Banking / NBFC / Financial Services, preferably in business planning, financial planning & analysis, P&L; management, business finance, MIS, product finance, retail assets / MSME lending analytics, pricing or strategy roles.

📌 Manager Business Planning & P&L Manager (Bengaluru)
🏢 Ujjivan Small Finance Bank
📍 Bengaluru