Role Overview:

The Head - Financial Planning & Analysis will lead financial planning, forecasting, management reporting and business performance analysis for True Balance. The role will act as a strategic partner to senior management and work closely with the Strategy team to translate the Companys strategic priorities into financial plans, measurable targets and actionable initiatives. The incumbent should bring strong financial acumen, digital lending industry expertise and a forward-looking, strategic mindset to support sustainable growth and informed decision-making.

Key Responsibilities:

- Lead annual budgeting, long-term planning, rolling forecasts and periodic financial projections.

- Work closely with the Strategy team on business planning, strategic initiatives, market assessment, competitor analysis and long-term growth plans.

- Translate strategic priorities into financial plans, operating targets, key performance indicators and resource-allocation decisions.

- Prepare monthly management reports and analyze performance against budget, forecast and prior periods.

- Conduct detailed variance analysis, identify key performance drivers and recommend corrective actions.

- Develop and monitor unit economics across products, customer segments and sourcing channels, including yields, cost of funds, credit costs, customer acquisition costs and contribution margins.

- Build financial models and undertake scenario and sensitivity analysis to support strategic and operational decisions.

- Track key lending metrics, including disbursements, AUM, portfolio yield, delinquency, credit cost, profitability and return ratios.

- Prepare high-quality Board decks, management presentations and investor decks with clear insights, performance commentary and recommended actions.

- Support investor relations, fundraising, due diligence and responses to investor and lender queries.

- Conduct industry benchmarking across growth, profitability, productivity, credit performance, operating efficiency and valuation metrics.

- Monitor industry trends, regulatory developments, competitor performance and emerging business models in digital lending and financial services.

- Evaluate the financial viability of new products, partnerships, channels and strategic initiatives.

- Partner with Business, Product, Risk, Collections, Treasury, Operations and Technology teams to improve financial and operational performance.

- Drive automation and improvement of budgeting, forecasting, dashboards and management-reporting processes.

- Build and lead a high-performing FP&A team.

Requirements:

- Chartered Accountant, MBA Finance or equivalent qualification.

- 12-16 years of experience in FP&A, business finance, strategic finance or corporate finance.

- Experience in an NBFC, fintech, bank, digital lending or financial services organisation is must.

- Strong industry knowledge and understanding of digital lending, consumer finance, competitive dynamics and regulatory developments.

- Strong understanding of lending economics, financial statements, credit costs, cost of funds and profitability drivers.

- Strategic mindset with the ability to connect financial performance, business strategy and market developments.

- Advanced financial modelling, Excel and PowerPoint skills.

- Strong analytical, communication, stakeholder-management and presentation capabilities.

- Ability to work in a fast-paced environment and manage multiple priorities with a high level of ownership.