Budget Manager

Role & Responsibilities :-

• Prepare and manage Annual Operating Plan (AOP), annual budgets, and periodic forecasts in alignment with business objectives.
• Develop monthly and quarterly financial forecasts and monitor business performance against plan.
• Prepare product-wise, branch-wise, and region-wise budgets and profitability analysis.
• Conduct Actual vs Budget vs Forecast variance analysis, identify key deviations, and provide actionable insights to management.
• Analyze key financial metrics including Revenue, Net Interest Margin (NIM), Cost of Funds, Operating Expenses (Opex), Credit Cost, and Profit After Tax (PAT).
• Perform branch-wise profitability, contribution, and break-even analysis to evaluate business performance.
• Identify key business drivers, profitability trends, cost drivers, and performance gaps and recommend corrective actions.
• Perform scenario planning, sensitivity analysis, and financial modelling to assess the impact of business assumptions and market changes.
• Develop and maintain MIS reports and management dashboards for tracking financial and operational KPIs.
• Support senior management in strategic decision-making through financial analysis, business insights, and performance reporting.
• Partner with business and operations teams to understand performance drivers and improve revenue, profitability, and cost efficiency.
• Ensure timely and accurate preparation of monthly/quarterly management reports, budgeting packs, and performance dashboards.
• Leverage Advanced Excel and Power BI/Tableau for financial modelling, reporting, data analysis, and visualization.
• Understanding of the NBFC business model to analyze lending business performance, margins, credit costs, operating costs, and profitability.