Key Responsibilities

Financial Planning &

- Budgeting

- Lead the annual budgeting and financial planning process across departments.

- Prepare monthly, quarterly, and annual forecasts.

- Develop branch-wise, region-wise and product-wise financial projections.

- Monitor actual performance against budgets and provide variance analysis.

- Support long-term business planning and strategic initiatives.

Management Information System (MIS) &

- Reporting

- Prepare monthly management reports and business performance dashboards.

- Present key financial metrics to senior management and Board committees.

- Track operational KPIs including: AUM, Disbursement, Collection Efficiency, PAR (Portfolio at Risk), Yield, Cost of Funds, Operating Expense Ratio, ROA &
- ROE

Financial Analysis

- Conduct profitability analysis at branch, regional and product levels.

- Analyse business trends and identify improvement opportunities.

- Evaluate cost optimization and productivity enhancement initiatives.

- Monitor financial performance and recommend corrective actions.

Business Partnering

- Work closely with Business, Operations, HR and Credit teams for financial planning.

- Support strategic decision-making through data-driven financial analysis.

- Perform scenario modelling and sensitivity analysis.

- Assess financial impact of current products, locations and business initiatives.

Treasury &

- Funding Support





- Support preparation of cash flow forecasts.

- Assist in fund utilization planning and liquidity management.

- Coordinate with Treasury team for borrowing and fund deployment analysis.

- Monitor borrowing costs and portfolio yields.

Competitive Benchmarking &

- Market Analysis

- Conduct benchmarking of financial and operational performance against peer MFIs, NBFCs, and industry standards.

- Analyze competitor financial results, profitability trends, portfolio growth, funding mix, and operating efficiency.

- Track industry developments, market trends, interest rate movements, and emerging business opportunities.

- Prepare comparative analysis reports and management presentations to support strategic decision-making.

- Identify best practices and recommend initiatives to improve business performance and profitability.

Automation &

- Process Improvement

- Improve financial reporting and planning processes.

- Develop automated MIS and dashboards using Excel, Power BI or similar tools.

- Drive data accuracy and reporting standardization initiatives.

Qualifications &

- Experience

- CA / CMA / CFA (Preferred)

- 8-10 years of experience in FP&A;, Business Finance, Management Reporting or Financial Analysis.

- Experience in NBFC, MFI, Banking or Financial Services preferred.

- Understanding microfinance business models and RBI regulations is desirable.

📌 Financial Planning and Analysis Manager (Mumbai)
🏢 People Konnect
📍 Mumbai