KhataBook - Manager/Senior Manager - Business Finance - SaaS & Lending Verticals

Role: Manager/Senior Manager - Business Finance

Reporting to: Head of Finance

Location: Bengaluru

Role Overview

Lead business finance for both SaaS and Lending (LSP) verticals. Drive planning, performance tracking, unit economics and strategic decision support. Act as a finance partner to business teams to enable growth with strong control on revenue, cost, profitability and risk.

Key Responsibilities

1. Business Planning & Budgeting

- Lead half-yearly and annual budgeting in collaboration with business, product, and growth teams

- Build detailed financial models covering SaaS metrics (CAC, LTV, retention etc) and lending metrics (disbursement, yield, cost of capital, NPAs etc)

- Translate business plans into actionable financial targets

2. Performance Monitoring & Governance

- Track weekly business performance vs budgets across both verticals

- Highlight deviations with clear root-cause analysis and corrective actions

- Build dashboards and reporting frameworks for real-time visibility

3. Business Partnering & Insights

- Provide data-driven insights on growth, efficiency, and profitability

- Identify opportunities for improving conversion funnels, user monetization, and cross-sell

- Support experimentation (pricing, campaigns, credit strategies) with financial evaluation

4. Cost Optimization & Efficiency

- Drive cost optimization across technology, marketing, operations, and vendor spends

- Lead commercial negotiations with vendors and partners

- Identify and implement efficiency improvements using automation and AI tools

5. Lending Finance & Capital Management

- Work closely with lenders to negotiate and optimize cost of capital

- Evaluate lending unit economics including IRR, risk-adjusted returns, and cohort profitability

- Monitor disbursement trends, take rates, and lender performance

6. Risk & Portfolio Monitoring

- Track NPA trends across cohorts and identify early warning signals

- Partner with credit and collections teams to improve portfolio quality

- Analyze repayment behavior and recommend risk mitigation strategies

7. MIS & Reporting

- Ensure timely and accurate monthly MIS reporting

- Develop standardized and scalable reporting packs for leadership

- Maintain strong data integrity across systems

8. Benchmarking & Strategy

- Conduct industry benchmarking on CAC, lending yields, NPAs, opex ratios, etc.

- Support leadership with strategic inputs for expansion, partnerships, and new initiatives

Qualification & Experience

- CA / MBA (Finance) from a reputed institute

- 5-8 years of experience in lending or fintech

- Strong exposure to business finance, FP&A and lending metrics

Skills & Competencies

- Strong analytical and financial modelling skills

- Good understanding of digital business models (SaaS + lending ecosystem)

- Experience working with large datasets and building dashboards

- Familiarity with cloud infrastructure costs, digital marketing spends and analytics platforms

- Exposure to leveraging AI/automation for productivity and decision-making

- Strong stakeholder management and communication skills

- High ownership and ability to work in a fast-paced startup environment