Key Responsibilities

1. Financial Accounting & Reporting
- Prepare and finalize standalone and consolidated financial statements in accordance with Ind-AS.
- Ensure accurate accounting of:

o Expected Credit Loss (ECL)

o Effective Interest Rate (EIR)

o Amortized Cost o Co-Lending arrangements o Direct Assignment (DA) & Pass Through Certificate (PTC) transactions o Lease accounting

- Ensure consistency between books of accounts, regulatory returns, lender submissions, and published financial statements.
- Drive month-end and year-end financial closing activities within defined timelines.

- RBI Regulatory Compliance

- Ensure compliance with RBI Scale Based Regulation (SBR) applicable to Middle

Layer NBFCs.
- Prepare and file RBI returns including:

o DNBS Returns o ALM Statements o Other prescribed regulatory reports
- Coordinate RBI inspections, supervisory reviews, and regulatory submissions.
- Track and close regulatory observations within stipulated timelines.

- Audit, Governance & Internal Controls

- Lead statutory, internal, concurrent, ASM, and regulatory audits.
- Strengthen Internal Financial Controls (IFC).
- Design and monitor maker-checker controls and approval frameworks.
- Develop and periodically update finance SOPs in line with regulatory expectations.
- Ensure complete audit readiness and compliance documentation.

- Banking Operations & Finance Operations

- Monitor daily fund flows, liquidity, bank balances, and branch cash positions.
- Manage banking relationships and operations including:

o Payment processing o Collections o Escrow Accounts o Virtual Accounts o Bank reconciliations
- Ensure timely processing of:

o Vendor payments o Statutory dues o Employee reimbursements o Lender obligations
- Manage end-to-end Accounts Payable operations including vendor onboarding,

invoice verification, payment scheduling, ageing analysis, and reconciliations.
- Develop robust banking and payment SOPs.




- Coordinate with banks for operational support and issue resolution.

- Budgeting, MIS & Business Finance

- Prepare annual budgets and rolling forecasts.
- Ensure monthly MIS is published by the 10th of every month.
- Perform variance analysis and financial performance reviews.
- Develop dashboards covering:

o AUM o Disbursements o Asset Quality o Collection Efficiency o Yield o Profitability
- Partner with Business, Risk, Credit, and Operations teams to support strategic decision-making.

- ERP, Automation & AI

- Drive optimization of Microsoft Business Central and Loan Management System

(LMS).
- Automate:

o Accounting entries o Bank reconciliations o Regulatory reporting o Lender reporting o MIS generation
- Implement workflow automation, ERP integrations, and RPA solutions.
- Leverage AI-powered tools for:

o Financial reporting o Data analytics o Reconciliations o Exception reporting o Document review o Productivity enhancement
- Ensure source-to-GL reconciliation and solid data governance.
- Evaluate emerging finance technologies to improve scalability and operational efficiency.

- Taxation & Listed Entity Compliance

- Coordinate direct and indirect tax compliances.
- Support tax assessments and auditor interactions.
- Assist in listed entity disclosures and Audit Committee reporting.
- Ensure timely submission of investor-facing financial information and regulatory disclosures.

Key Skills & Competencies
- Strong knowledge of Ind-AS, RBI Scale Based Regulations (SBR), ALM, ECL, and

NBFC accounting.
- Expertise in financial reporting, accounting standards, and statutory compliance.
- Hands-on experience with Microsoft Business Central, ERP systems, and Loan

Management Systems (LMS).
- Proven experience in finance transformation, ERP implementation, workflow automation, and AI-enabled finance solutions.
- Strong understanding of banking operations, Accounts Payable, treasury support, and payment controls.

📌 Sr. Accounts Manager (Mumbai)
🏢 Finkurve
📍 Mumbai