Job Description: Senior Manager / Lead
Finance Transformation & Management
Accounting
Function: Finance / Management Accounting / ALM
Location: [Insert City/Country]
Experience: 12+ Years
Qualification: Chartered Accountant (CA), CFA, or MBA in Finance
Position Overview
We are seeking a highly accomplished Bank Finance Professional with over 12 years of
experience to lead and enhance our financial management framework. In this role, you will be
responsible for designing and implementing robust Fund Transfer Pricing (FTP) frameworks,
cost allocation models, and Risk-Adjusted Return on Capital (RAROC) methodologies.
You will work closely with senior leadership and cross-functional teams to deliver
comprehensive profitability insights across products, branches, and customer segments, driving
strategic decision-making and optimal capital allocation across the bank.
Key Responsibilities
1. FTP & Cost Allocation Frameworks
Build, refine, and implement the Fund Transfer Pricing (FTP) framework and Cost
Allocation models in collaboration with the Banks finance, treasury, and business
teams.
Establish explicit policies and principles for internal pricing of assets and liabilities to align
business incentives with treasury and ALM strategies.
Design activity-based costing (ABC) or driver-based models to ensure accurate
allocation of direct and indirect overhead costs across business lines.
2. Profitability Analysis & RAROC Modeling
Produce multi-dimensional profitability reporting, including Product, Branch, Segment,
and Customer Profitability views.

Develop, implement, and monitor Risk-Adjusted Return on Capital (RAROC)
frameworks by segment to support risk-informed pricing and capital management
decisions.
Provide strategic analytical insights to senior management on margin drivers, yield
analysis,



and cost-to-serve dynamics.
3. Data Governance & Monthly Reporting
Define, establish, and enforce data requirements and data governance policies for
monthly and quarterly profitability reporting.
Partner with Finance IT, Data Engineering, and Enterprise Analytics teams to automate
profitability feeds and data pipelines, ensuring data integrity and single-source-of-truth
accuracy.
Oversee monthly reporting cycles and deliver actionable insights and executive
dashboards for management committees.
Qualifications & Experience
Educational Background: Chartered Accountant (CA), CFA Charterholder, or MBA in
Finance from a top-tier institute.
Overall Experience: Minimum 12+ years of progressive experience in Banking
Finance, Management Accounting, ALM, or Banking Finance Transformation.
Ideal Candidate Profile
Former Head / Senior Manager of ALM, MIS, Management Accounting, or
Performance Management at a reputed commercial/retail bank; OR
Senior Manager / Associate Director from a Financial Services / Banking Finance
Transformation practice at a top consulting firm (Big 4 or strategy consulting).
Required Skills & Competencies
Domain Expertise: Deep technical expertise in Fund Transfer Pricing (FTP),
Risk-Adjusted Return on Capital (RAROC), Activity-Based Costing (ABC), and Balance
Sheet Management.
System & Tool Knowledge: Hands-on experience with banking profitability and FTP
platforms (e.g., Oracle OFSAA, SAP Financial Services, QRM, SAS, or custom
enterprise solutions).
Data & Analytics: Strong understanding of banking data architecture, financial data
modeling, and data governance frameworks.
Stakeholder Management: Proven track record of interfacing with senior business
leaders, Treasury, Risk, and IT stakeholders to drive large-scale financial performance
management initiatives.

📌 General Manager (Mumbai)
🏢 Indypay Technologies
📍 Mumbai