Head - Financial Planning & Analysis

Description:

Key Responsibilities:

- Develop and implement robust budgeting, forecasting, and long-term financial planning processes tailored to NBFC operations.

- Align financial strategies with business growth targets, lending operations, and asset quality goals.

- Conduct scenario and sensitivity analysis to assess market, regulatory, and credit risk impacts

Financial Analysis & Reporting:

- Monitor and analyze key NBFC metrics: AUM growth, NIM, delinquency ratios, cost of funds.

- Prepare financial reports and presentations for Board, investors, and regulatory bodies.

- Perform variance analysis to identify trends, risks, and opportunities for cost optimization and revenue enhancement.

Capital Management & Treasury:

- Collaborate with treasury and risk teams to optimize capital allocation and funding strategies.

- Manage liquidity, working capital, and ensure timely availability of funds for disbursement cycles.

- Support decisions on debt/equity financing, securitization, and capital market initiatives.

Regulatory & Compliance Oversight:

- Ensure adherence to RBI/NBFC guidelines, timely regulatory reporting, and compliance with statutory audits.

- Drive compliance with Fair Practices Code, especially in collections and customer interface.

Risk & Credit Portfolio Management:

- Monitor financial and credit risks, asset-liability mismatches, and capital adequacy.

- Liaise with lenders and banks for credit lines and refinancing options.

- Oversee loan book performance and provisioning.

Process Improvement & Technology:

- Drive adoption of advanced tools and technologies for financial analysis and reporting (e.g. Oracle, Power BI, Tableau).

- Enhance accuracy, timeliness, and scalability of financial processes.

Leadership & Stakeholder Management:

- Lead and mentor finance planning & analysis team.

- Partner with business unit heads and cross-functional teams (credit, legal, operations) to guide decision-making.

- Present financial insights and strategic inputs to senior leadership and the Board.