Chief Financial Officer - Micro Finance Firm - CA

Key Responsibilities:

1. Financial Strategy & Planning:

- Develop and implement financial strategies aligned with business goals.

- Lead long-term financial planning, budgeting, and forecasting.

- Provide financial insights to support strategic decisions by the board and management.

2. Regulatory Compliance & Governance:

- Ensure full compliance with RBI regulations, Companies Act, Tax laws, and other statutory requirements.

- Oversee RBI returns (NBS, ALM returns, CCR, SBR, etc.).

- Liaise with regulators, auditors, credit rating agencies, and trustees.

3. Financial Operations & Controls:

- Oversee accounting, financial reporting, and closure of books as per Ind-AS/IGAAP.

- Strengthen internal controls and ensure robust financial governance.

- Monitor operating expenses, cost optimization, and profitability analysis.

4. Treasury & Fund-Raising:

- Manage liquidity, cash flow, and capital structure.

- Raise debt from banks, financial institutions, capital markets, and alternative lenders.

- Handle securitization, assignment transactions, and bond issuances.

- Manage lender relationships and negotiate borrowing terms.

5. Risk Management:

- Oversee credit, market, and operational risk frameworks.

- Ensure ALM (Asset-Liability Management) compliance and monitoring.

- Develop stress-testing, scenario analysis, and financial risk models.

6. Investor & Stakeholder Management:

- Maintain communication with investors, board members, and key stakeholders.

- Prepare investor presentations, board notes, and MIS dashboards.

- Maintain strong relationships with rating agencies to optimize credit ratings.

7. Technology & Process Improvement:

- Drive automation in finance processes (ERP, LOS/LMS integration, reporting tools).

- Implement systems to improve accuracy, transparency, and turnaround time.

Qualifications & Experience:

Educational Requirements:

- Chartered Accountant (CA) mandatory.

- Additional qualifications like MBA (Finance) / CFA preferred.

Experience:

- Significant experience in NBFC sector is essential.

- Proven track record in fund-raising, regulatory compliance, and financial strategy.

Skills & Competencies:

- Strong knowledge of RBI regulatory framework for NBFCs.

- Expertise in accounting standards, Ind-AS, taxation, and audit processes.

- Excellent financial modelling, analytical, and problem-solving capabilities.

- Strong leadership, communication, and stakeholder management skills.

- Ability to manage high growth environments and complex financial structures.