We are looking for an experienced Financial Controller to lead the finance, accounting, financial reporting, regulatory compliance, and business-control functions for a growing NBFC engaged in gold jewelry lending. The ideal candidate should have strong hands-on experience in NBFC finance, RBI reporting, Ind AS, financial controls, treasury, audit, taxation, and MIS, with a strong understanding of gold-loan operations and collateral-based lending.

The core responsibilities for the job include the following:

Financial Controllership:

- Own the complete accounting and financial-control function.
- Lead monthly, quarterly, and annual financial close.
- Ensure accurate P& L, balance sheet, cash flow, and financial reporting.
- Drive budgeting, forecasting, and variance analysis.
- Develop solid financial controls across branches and corporate functions.
- Monitor profitability, cost structures, NIM, ROA, ROE, and business KPIs.

NBFC and RBI Compliance:

- Ensure compliance with applicable RBI/NBFC regulatory requirements.
- Manage RBI returns, regulatory reporting, and financial disclosures.
- Ensure appropriate provisioning, asset classification, and ECL/Ind AS requirements.
- Work closely with statutory, internal, and regulatory auditors.
- Maintain strong control frameworks and audit readiness.

Gold Loan Finance and Controls:

- Financial oversight of the gold loan portfolio.
- Monitor gold-loan disbursement, collections, interest income, overdue accounts, and NPAs.
- Ensure appropriate accounting and controls around pledged gold.
- Monitor LTV, gold valuation, purity, weight, and collateral reconciliation.
- Establish controls around gold custody,



branch-level reconciliation, and insurance.
- Review gold auction accounting, recovery, surplus/shortfall, and related reporting.
- RBI's gold-lending framework specifically addresses collateral valuation, LTV, assaying, ownership verification, storage/security, and auction processes.

Treasury and Fund Management:

- Manage daily cash-flow planning and liquidity.
- Monitor borrowing, bank facilities, and lender relationships.
- Support debt raising, refinancing, and working-capital requirements.
- Track interest costs and optimize the funding mix.

Audit, Tax, and Governance:

- Lead statutory audit, internal audit, and tax audit coordination.
- Manage GST, TDS, income tax, and other applicable compliances.
- Coordinate with auditors, consultants, regulators, and external advisors.
- Strengthen SOPs, financial policies, and internal-control mechanisms.

MIS and Business Analytics:

- Build management dashboards for AUM, Disbursement, Collections, NPA/GNPA/NNPA, Yield, Cost of Funds, NIM, Branch Profitability, Gold Inventory/Collateral Reconciliation, and Operating Expenses.
- Provide actionable financial insights to the CEO/CFO/Board.

Pay: ₹5,000,000.00 - ₹6,000,000.00 per year

Benefits:

- Commuter assistance
- Health insurance
- Internet reimbursement
- Leave encashment
- Life insurance
- Provident Fund

Application Question(s):

- Are you from any of these sectors? Retail, FMCG, Textile & Apparel, Beauty, or Fintech

Education:

- Bachelor's (Required)

Experience:

- Total: 10 years (Required)

License/Certification:

- Chartered Accountant (Required)

Work Location: In person

📌 Finance Controller (India)
🏢 Quantean,
📍 India