Business Finance Lead

Manager, Business Finance & Strategic Program Management (Chartered Accountant)

Location: Bangalore, India

About the Role

We are looking for a Chartered Accountant who combines strong business finance skills with hands-on NBFC experience. You will own Planning, AOP preparation monthly reviews, financial reporting, and Strategic Program Management for the Partnerships and Compliance charter. This role will place you at the center of the business giving, directly working with business CXOs to help guide the financial performance of the company. You will also act as the finance and compliance point of contact for lenders, auditors, regulators, and other external stakeholders. This role suits someone who is comfortable with business planning, accounting, and navigating external conversations with leaders in the company and externally.

Key Responsibilities

Business Finance

• Prepare Annual Operating Plans, forecasts, and variance analysis for management
• Create monthly MIS and reviews with Management covering portfolio performance and unit economics: AUM, yields, cost of funds, collection efficiency, DPD buckets, and credit costs
• Support ALM and liquidity monitoring and planning
• Track cohort-wise, brand-wise, program-wise, and lender-wise profitability and exposure

Financial Reporting & Audit

• Oversee monthly, quarterly, and annual closing and financial statements under Ind AS
• Manage ECL computation (Ind AS 109), asset classification, NPA recognition, and provisioning policies
• Program-manage statutory, internal, and RBI audits, including audit queries and closure of observations
• Support management reviews with board/audit committee reporting

Regulatory Compliance

• Help prepare and file RBI returns and statutory filings accurately and on time
• Track regulatory changes, including digital lending guidelines, and assess their impact on products and processes
• Support compliance with KYC/AML, Fair Practices Code, and credit information reporting norms
• Lead responses to RBI inspections, supervisory queries, and information requests

External Stakeholder Management

• Act as the finance and compliance contact for lenders (banks, NBFCs, and financial institutions) on due diligence, covenant compliance, periodic reporting, and equity fundraising
• Support brand partners on settlement, reconciliation, and cash discount-related accounting and queries

Qualifications & Experience

• Chartered Accountant (ICAI member) with 3+ years of post-qualification experience
• Big 4 or reputed audit firm background preferred, with exposure to NBFC or financial services audits and compliance
• Strong working knowledge of RBI regulations for NBFCs, Ind AS, and the Companies Act
• Good understanding of business finance, financial analysis, and MIS
• Strong communication and presentation skills, with confidence dealing with lenders, auditors, regulators, and senior management
• Proficiency in Excel is a must

Good to Have

• Experience with supply chain finance, invoice discounting, working capital lending, or fintech/digital lending
• Exposure to co-lending, direct assignment, or securitisation accounting
• Experience with ECL modelling, ALM, or RBI inspection readiness
• Comfort working with data and tech-led lending platforms