MANAGER / SR. MANAGER - Financial Planning & Analysis

ROLE – MANAGER / SR. MANAGER – FP&A

Function / Department / Team

Finance / Financial Planning & Business Finance

Objective (Purpose of the Job)

Seeking a highly analytical finance professional to drive FP&A, business performance and strategic financial analytics. The role will own financial planning, profitability analysis, management MIS, forecasting and performance evaluation, while providing insights through peer benchmarking, financial ratio analysis and capital-markets / IPO-related analytics.

Key Responsibilities

• FP&A & Financial Planning – Own the Company’s financial model, annual budgeting, rolling forecasts, long-range planning and scenario analysis.
• Profitability Analysis – Conduct detailed profitability analysis at product, branch, geography and business-unit levels; identify opportunities for pricing, cost optimisation and revenue enhancement.
• Performance Management – Track actual performance against budget, prior period and business plan; analyse key drivers and recommend corrective actions.
• Business & Financial Analytics – Analyse P&L, Balance Sheet and Cash Flow performance and interpret key lending/NBFC ratios including NIM, yield, spread, ROA, ROE, cost-to-income, leverage, capital adequacy, liquidity and asset-quality metrics.
• Peer Benchmarking – Benchmark business, financial and operating metrics against relevant NBFC/HFC peers; identify performance gaps, trends and best practices.
• Management MIS & Decision Support – Develop concise management dashboards and performance packs, with clear commentary on business drivers, risks and opportunities.
• Capital Markets / IPO Exposure – Support IPO readiness and capital-market initiatives through financial and operating metric analysis, peer benchmarking, valuation-related analysis, investor presentations and management/investor information requirements.
• Strategic Analytics – Evaluate product economics, pricing, branch expansion, cost structures, capital allocation and other strategic business decisions.
• ALM & Balance Sheet Analytics – Support forecasting of funding, liquidity, AUM, disbursements and Dynamic ALM, and assess their impact on profitability and capital.
• Cost Control & Efficiency – Monitor operating costs against budgets, identify efficiency opportunities and support business teams in delivering financial targets.
• BI & Automation – Leverage Excel, BI and data-analysis tools to automate recurring MIS, improve reporting quality and enable drill-down analysis.

Educational Requirements

Bachelor’s degree in Finance, Accounting, Economics or related field.
CA / CFA / CMA / MBA or equivalent professional qualification preferred.

Experience

• 4–8 years of experience in FP&A, business finance, financial planning, financial analysis or related roles, preferably in NBFC / HFC / banking / financial services.
• Strong experience in financial modelling, budgeting, forecasting, profitability analysis and management reporting.
• Exposure to peer benchmarking, financial ratio analysis and interpretation of lending / financial-services metrics.
• Exposure to IPO, capital markets, investor reporting or transaction-related financial analysis will be an advantage.
• Familiarity with NBFC regulations, lending products, ALM and industry-specific financial metrics preferred.

Skills & Competencies

• Strong analytical and financial modelling skills with advanced Excel proficiency.
• Ability to interpret financial statements, business metrics and key financial ratios and translate them into actionable insights.
• Strong understanding of NBFC / lending business economics and profitability drivers.
• Ability to benchmark peers and understand business performance in the context of industry trends.
• Strong communication skills with the ability to present insights clearly to senior management.
• Working knowledge of BI / data visualization tools and ERP systems such as SAP, Oracle or equivalent.