About Caresmith

Caresmith is a D2C personal care and grooming brand based in Fort, South Mumbai. We design, manufacture, and sell across our own D2C website, Amazon, Flipkart, quick commerce and other ecommerce marketplaces. We operate multiple legal entities, manage complex marketplace and reseller relationships, and are actively scaling with debt financing. We are a lean, fast-moving team of 50 people building a brand that millions of Indians use daily.

About This Role

We're looking for a Finance Lead to take end-to-end ownership of the finance function at Caresmith. This is the most senior full-time finance role in the company. You will report directly to the Founder.

Caresmith has grown rapidly, and we've reached a stage where the finance function needs to match the scale and complexity of the business. We operate across multiple sales channels with different settlement cycles, manage a working capital-intensive inventory model, maintain relationships with banks and NBFCs, and run multiple legal entities. We need someone who can own all of this — the planning, the controls, the cash, the reporting, and the team — and build the financial infrastructure that powers the next stage of growth.

This is a builder's role. If you've taken a finance function from early-stage to well-structured at a growing company, enjoy getting your hands dirty with spreadsheets and bank portals while also thinking about the big picture, and thrive in environments where you get to shape how things work — this role is for you.

What You Will Own

Working Capital, Treasury & Debt

Cash flow planning and daily/weekly cash position management across entities — ensuring the business never faces a liquidity surprise
Working capital cycle optimization: managing the gap between vendor payments, inventory holding periods, and marketplace/reseller settlement timelines
Bank and NBFC relationship management — maintaining and expanding relationships across institutions for term loans, working capital facilities (CC/OD), and other instruments
Debt management: covenant compliance, lender MIS and reporting, debt service scheduling, and evaluating new financing options as the business scales
Overseeing vendor payment terms and negotiation in partnership with the procurement team
Import financing coordination (LCs, buyer's credit) if and where applicable to the sourcing model

Financial Planning & Analysis

Annual budgeting and rolling forecasts for revenue, COGS, marketing spend, overheads, and working capital — broken down by channel (D2C website, Amazon via reseller, Flipkart via reseller)
Monthly variance analysis with root-cause explanations, not just numbers
Scenario modeling for pricing decisions, new product launches, promotional campaigns, and channel expansion
Capex planning: warehouse infrastructure, tooling for new products, equipment, and technology investments
Headcount budgeting and cost-to-company planning in coordination with HR

Ecommerce & Channel Finance

SKU-level and channel-level P&L construction: revenue, marketplace fees (commission, referral, closing, logistics, advertising), reseller margins, returns, and net realizable value
Monthly reconciliation of marketplace and reseller settlements (Amazon via KKOC, Flipkart via Alpha, D2C via Shopify/payment gateways) — ensuring billing matches collections with zero leakage
Marketing spend and ROAS analysis across Amazon Ads, Flipkart Ads, Google, and Meta — providing budget optimization inputs grounded in contribution margin, not just platform-reported metrics
Tracking CAC, LTV, AOV, return rates, and other D2C metrics alongside financial performance

Accounting, Compliance & Entity Management

Overseeing books of accounts, month-end close, and financial reporting across all entities (with the Controller and accounts team executing day-to-day)
Ensuring 100% statutory compliance: GST filings and ITC optimization, TDS/TCS, income tax, ROC filings, and audit coordination (statutory, tax, and internal)
Multi-entity financial management: inter-company transactions, entity-level P&L, consolidated reporting, and transfer pricing compliance where applicable
AR and AP reconciliation oversight — ensuring receivables are collected on time and payables are managed to optimize cash position
Inventory valuation, costing accuracy, and COGS reconciliation in partnership with supply chain

MIS, Reporting & Cross-Functional Visibility

Monthly business performance pack for the Founder: P&L, balance sheet, cash flow, channel health, marketing efficiency, and operational KPIs in a single source of truth
Cross-functional reporting architecture — working with operations, marketing, customer care, supply chain, and ecommerce teams to define what they track, in what format, and on what cadence
Lender MIS and reporting: ensuring banks and NBFCs receive timely, accurate financial data as per covenant requirements
Data room readiness: maintaining clean, audit-ready financials that can support due diligence at short notice

Team Leadership

Managing and developing the finance team: Controller, accounts executives, and CA associate
Setting performance standards, defining output quality, and building team capability
Process documentation — systematizing every workflow so the function is repeatable, auditable, and not dependent on any single person

What This Role Looks Like Day-to-Day

This is a hands-on leadership role, especially in the first year. You will be on bank portals reviewing cash positions, in Excel building P&L models, on calls with lenders, and in meetings with the marketing or ops team defining their reporting needs — often in the same day. Strategy and delegation grow as the foundation solidifies.

You will spend significant time outside of finance — with operations, marketing, customer care, ecommerce, supply chain, and procurement teams. Understanding their operations and ensuring financial visibility across the company is a core part of this role, not a side project.

You will have a direct line to the Founder on business decisions. If a pricing change doesn't make financial sense, or a marketing budget needs reallocation, or a vendor payment term needs renegotiating — you are the person who flags it with data and a recommendation.

What We're Looking For

Must Have

CA or equivalent with 8–12 years of post-qualification experience in progressively responsible finance roles
At least 2–3 years owning a finance function end-to-end at a company in the 50–200 crore revenue range — not just a vertical within a larger finance team
Experience building finance processes, MIS, and reporting systems in a startup, scale-up, or D2C/ecommerce environment
Strong working capital and cash flow management experience — you understand the cash conversion cycle and have actively managed it
Hands-on financial modeling, P&L construction, and variance analysis in Excel/Google Sheets
Experience managing bank and NBFC relationships, debt facilities, and lender reporting
Experience with ecommerce marketplace settlements (Amazon, Flipkart) or reseller/distributor reconciliation
Proven people management in small-team environments — you have built teams, set standards, and developed people
Excellent communication — you can present financial analysis to a founder and to non-finance teams and make it actionable
Familiarity with ERP/accounting systems (Tally, Zoho Books, or similar) and GST compliance

Good to Have

Prior experience in D2C, personal care, health & wellness, FMCG, or consumer electronics
Multi-entity financial management experience (consolidation, inter-company, transfer pricing)
Experience managing outsourced finance or controllership engagements
Import financing experience (LCs, buyer's credit, forex management)
Working knowledge of ad platform analytics (Amazon Ads, Meta, Google) — enough to evaluate ROAS data
Experience with data visualization or BI tools (Looker Studio, Power BI)
Track record of supporting or leading due diligence processes for debt or equity raises

Finance Lead D2C / Ecommerce