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 recent 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 scorecar

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