Business Finance (Lending)
Core
Manager – Business Finance acting as a key financial partner to business leads, product managers, and risk teams across Personal Loans, Merchant Loans, and Credit Cards portfolios.
Role type
Manager – Business Finance (Lending)
Builds
Financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid)
Domain
Fintech / Lending / NBFC
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
Revenue modelling, Portfolio economics, Scenario modelling, Unit economics analysis, Risk vs. return trade-off analysis, Financial planning & analysis (FP&A), Variance analysis, Cost management, Executive reporting, Data integrity tracking
Preferred skills
Fintech/NBFC/Retail Bank experience, Lending P&L drivers expertise, Advanced Excel modelling
Technologies
Excel
Responsibilities
Build and refine end-to-end financial and revenue models for lending products; Conduct scenario modelling to assess impact of take-rate changes and credit policy; Act as a co-pilot to Business Heads to evaluate new commercial constructs and product launches; Analyze unit economics and risk vs. return trade-offs at product and lender levels; Lead Annual Operating Plan (AOP) creation, monthly business reviews, and quarterly rolling forecasts; Perform variance analysis for Disbursements, Revenue, Gross Margin, and Business EBITDA; Drive cost management across COGS and Opex; Prepare CEO/CFO-ready executive updates and board presentations.
Seniority
Manager, hands-on IC
