Finance Manager

Key Responsibilities

Financial Controllership & Accounting

• Own end-to-end finance operations: general ledger, monthly / quarterly / annual close, reconciliations, provisions, accruals, and financial statements (Ind AS / applicable framework).
• Ensure accurate accounting of loan book, interest income, processing fees, charges, NPA classification, ECL / provisioning, write-offs, and collections.
• Strengthen maker-checker controls, SOPs, payment workflows, and internal financial controls across HO and 70 branches.
• Review branch-level accounting quality, cash handling discipline, and inter-branch / HO reconciliations.

MIS, FP&A and Business Partnering

• Build and own monthly MIS packs for CFO / Board: P&L, Balance Sheet, Cash Flow, AUM movement, yield, cost of funds, NIM, NPA, cost-to-income, branch / product profitability.
• Lead annual budgeting, rolling forecasts, and variance analysis with actionable commentary.
• Track portfolio metrics, branch performance, and cost leakages; recommend corrective action.
• Support pricing, product profitability, and growth decisions with clean numbers.

RBI, Statutory & Tax Compliance

• Prepare, review and file RBI returns (DNBS and other applicable NBFC filings); maintain inspection-ready documentation.
• Ensure compliance with RBI Master Directions, prudential norms, ALM / LCR (as applicable), CRAR / capital adequacy, and related financial reporting.
• Own GST, TDS, Income Tax, and other statutory filings, reconciliations, and assessments; coordinate with consultants.
• Lead coordination of Statutory Audit, Internal Audit, Concurrent Audit and RBI inspection; drive closure of observations.

Treasury, Funding & Cash Management

• Manage cash flow forecasting, fund utilisation, bank balances, and day-to-day treasury operations.
• Support borrowings from banks / NBFCs / other lenders: documentation, drawdowns, covenants, interest servicing, and relationship management.
• Monitor cost of funds, surplus deployment, and liquidity buffers in line with CFO direction.

Team Leadership

• Lead, coach and review a team of ~10 across accounts, MIS, tax support and treasury coordination.
• Set monthly close calendar, quality standards, and accountability; develop second-line capability.
• Partner with Credit, Operations, Branches, HR and IT for process discipline and data integrity.Role & responsibilities

Preferred candidate profile

• CA (Semi qualified )/ CMA strongly preferred. MBA (Finance) / M.Com acceptable with proven NBFC controllership experience.
• 8-14 years in Finance & Accounts, of which at least 45 years in NBFC / Lending / BFSI (gold loan, MSME, vehicle, personal loan or similar).
• Hands-on ownership of monthly close, Ind AS / IGAAP financials, MIS, GST-TDS, and RBI / DNBS reporting.
• Working knowledge of loan-book accounting, income recognition, NPA / provisioning, and branch network finance.
• Experience handling a team of 5+ and working directly with CFO / senior leadership.
• Strong Excel; working knowledge of Tally / ERP (SAP / Oracle / Zoho / similar) and MIS tools.
• Comfortable with multi-location operations (70 branches) and high-volume transaction environment.
• Clear communicator; high ownership, accuracy, and deadline discipline.