Manager - Business Planning & Finance

Role Objective:

To own P&L planning, forecasting, portfolio profitability analysis, and financial decision support for the NBFC, enabling management to drive growth, margin expansion, and capital efficiency.

Roles & Responsibilities:

- 1. P&L Ownership & Analysis

Own end-to-end monthly P&L analysis for lending business.

Analyze:

- Interest income & yield movements

- Cost of funds

- Credit cost & provisioning impact

- Opex vs budget

Identify variance drivers and explain movement vs plan / prior periods.

Prepare management commentary for leadership and Board decks.

- 2. Budgeting & Forecasting

Lead annual budgeting and rolling forecasts for:

- Disbursements

- AUM growth

- Interest income

- Credit costs & write-offs

- Operating expenses

Build scenario-based forecasts (base / upside / downside).

Support strategic decisions like:

- Growth vs profitability trade-offs

- Product mix changes

- Pricing and tenure adjustments

- 3. Portfolio & Unit Economics

Analyze product-wise and cohort-wise profitability.

Track unit economics:

- Contribution margin

- CAC recovery

- Break-even timelines

Work closely with Credit & Risk to assess impact of delinquency trends on P&L.

Support launch or modification of loan products from a profitability lens.

- 4. Business Partnering

Act as finance partner to:

- Business heads

- Credit & Risk

- Collections

Translate operational metrics into financial outcomes.

Challenge assumptions and provide data-backed insights.

- 5. Management & Investor Reporting

Prepare Board / Investor / Lender decks focused on:

- Financial performance

- Forecast vs actuals

- Key risks & sensitivities

Support fund-raise discussions with financial models and projections.

- 6. Financial Modeling

Build and maintain:

- P&L forecast models

- ECL Models

- AUM growth models

- Sensitivity and stress scenarios

Evaluate impact of:

- Interest rate changes

- Credit cost movements

- Funding mix changes