ARTH - Manager - Financial Planning/Analysis & Business Finance

Job Title: Manager - Financial Planning, Analysis & Business Finance

Location: Gurugram, India

Function: Finance & Strategy

Reporting To: Chief Financial Officer / Head - Finance

About Arthimpact Digital Loans:

Arthimpact Digital Loans is a mission-driven fintech company dedicated to delivering affordable and accessible digital credit to underserved micro and small businesses across India. Through a robust technology platform and strategic partnerships, Arthimpact empowers financially excluded entrepreneurs by providing collateral-free loans and allied financial services including insurance, payments, and micro-investments. The company operates with a clear social impact focus, having reached over 3.5 lakh customers across 18,000+ pin codes.

Position Summary:

This role serves as a strategic finance partner, combining financial planning, performance management, and business decision support. As Manager - Financial Planning, Analysis & Business Finance, you will play a critical role in steering Arthimpact's financial strategy, enabling data-driven decisions, and supporting scalable, impact-led growth.

Key Responsibilities:

- Financial Planning & Forecasting: Lead the preparation of annual budgets, rolling forecasts, and long-range financial projections in alignment with organizational goals.

- Business Performance Monitoring: Track and analyze key financial and operational metrics such as disbursements, collections, customer acquisition cost (CAC), portfolio yield, NPAs, and unit economics.

- Financial Analysis & Strategic Insights: Perform root cause analysis of variances and provide actionable insights to improve revenue growth, cost efficiency, and profitability.

- Modeling & Scenario Planning: Build dynamic financial models to evaluate new initiatives, lending strategies, and cost optimization efforts under different market scenarios.

- Segment-wise Profitability: Analyze P&L performance by customer segment, channel, product, and geography. Drive deeper understanding of margins and contribution by business line.

- Data-Driven Decision Support: Partner with digital, credit, risk, and operations teams to co-own performance KPIs. Enable strategic initiatives through strong financial analytics.

- Reporting & Dashboards: Design and automate dashboards using tools like Excel, Power BI, or Tableau to provide real-time business intelligence to management.

- Governance & Control: Ensure compliance with internal controls, regulatory reporting standards, and support preparation of materials for internal and external stakeholders.

Qualifications:

- Chartered Accountant (CA), MBA (Finance), CFA, or equivalent qualification.

- 5-8 years of experience in FP&A or business finance roles, ideally within fintech, NBFCs, or digital lending platforms.

- Strong proficiency in financial modeling, Excel, and data analytics; knowledge of SQL and BI tools (Power BI, Tableau) is preferred.

- Excellent communication and stakeholder management skills, with the ability to influence and collaborate cross-functionally.

- Strong business acumen and a problem-solving mindset; passion for working in a mission-led organization.

Preferred Experience:

- Exposure to digital lending, microfinance, or technology-led credit underwriting.

- Understanding of RBI regulations, credit risk frameworks, and financial inclusion models.

- Experience with impact measurement, lending portfolio analytics, and operational cost optimization.

Why Join Arthimpact Digital Loans?

- Purpose-Driven Work: Be part of a high-impact organization enabling access to finance for underserved communities.

- Innovation-Focused Environment: Contribute to a fintech company that blends social impact with scalable digital solutions.

- Strategic Exposure: Work closely with leadership and cross-functional teams in a flat, collaborative structure.

- Growth Opportunities: Unlock professional development in one of India's most innovative digital lending ecosystems.