Job Description

Role profile:

1. Management Reporting & Performance MIS Spearhead the preparation and presentation of the monthly Management MIS and board-pack financial dashboards. Formulate executive-level commentary highlighting underlying drivers of Net Interest Margin (NIM), spreads, fee income, operating expenditure, and credit costs. Monitor critical lending metrics, including Assets Under Management (AUM), disbursements, Cost of Funds (CoF), Yield on Advances, Cost-to-Income ratio, and Return on Assets/Equity (RoA/RoE).2. Multi-Dimensional Profitability & Unit Economics Establish, standardize, and maintain robust frameworks for: Entity-Level Profitability: P&L, balance sheet, and capital adequacy diagnostics. Branch-Level Profitability: Performance benchmarking, vintage-based branch break-even tracking, and fixed vs. variable overhead absorption. Product-Wise Profitability: Pricing evaluations, risk-adjusted returns, and direct contribution analysis across secured and unsecured loan books. Track Unit Economics per account and per branch (Customer Acquisition Cost, Payback period, Direct vs DSA).3. Budgeting, Forecasting & Variance Diagnostics Lead the annual operating plan (AOP), rolling multi-quarter forecasts, and long-range strategic financial models. Run monthly Actual vs. Budget and Actual vs. Prior Period variance analyses. Isolate volume, rate, and mix variances across disbursements, yields, borrowing costs, and operational line items, pin-pointing root causes behind performance gaps.4. Diagnostic Analytics & Decision Support Conduct comprehensive DuPont Analysis (deconstructing RoE into leverage, asset turnover, operating margin, tax, and interest) to identify core profitability levers. Partner cross-functionally with Credit, Collections, Treasury, Operations, and Business verticals to model scenario-based impacts of policy shifts, borrowing rate fluctuations, and collection efficiency changes. Deliver forward-looking sensitivity models and capital planning scenarios to support executive committees (ALCO, ExCo) in tactical decisions.5. Systems, Automation & Governance Drive financial reporting automation in collaboration with IT and BI teams, transitioning static reporting into interactive BI dashboards (e.g., Power BI/Tableau). Ensure strict data integrity and alignment between core lending platforms (LMS/LOS), ERP/GL systems, and FP&A models.6. Technical & Analytical Competencies Deep domain understanding of lending economics: NIM calculations, interest accruals, amortization schedules, ALM, yield curves, ECL/provisioning impacts, and borrowing structures. Hands on in Excel, PowerPoint and Financial Modelling

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