Financial Planning and Analysis Manager

Key Responsibilities

Financial Planning & Budgeting

• Lead the annual budgeting and financial planning process across departments.
• Prepare monthly, quarterly, and annual forecasts.
• Develop branch-wise, region-wise and product-wise financial projections.
• Monitor actual performance against budgets and provide variance analysis.
• Support long-term business planning and strategic initiatives.

Management Information System (MIS) & Reporting

• Prepare monthly management reports and business performance dashboards.
• Present key financial metrics to senior management and Board committees.
• Track operational KPIs including: AUM, Disbursement, Collection Efficiency, PAR (Portfolio at Risk), Yield, Cost of Funds, Operating Expense Ratio, ROA & ROE

Financial Analysis

• Conduct profitability analysis at branch, regional and product levels.
• Analyse business trends and identify improvement opportunities.
• Evaluate cost optimization and productivity enhancement initiatives.
• Monitor financial performance and recommend corrective actions.

Business Partnering

• Work closely with Business, Operations, HR and Credit teams for financial planning.
• Support strategic decision-making through data-driven financial analysis.
• Perform scenario modelling and sensitivity analysis.
• Assess financial impact of new products, locations and business initiatives.

Treasury & Funding Support

• Support preparation of cash flow forecasts.
• Assist in fund utilization planning and liquidity management.
• Coordinate with Treasury team for borrowing and fund deployment analysis.
• Monitor borrowing costs and portfolio yields.

Competitive Benchmarking & Market Analysis

• Conduct benchmarking of financial and operational performance against peer MFIs, NBFCs, and industry standards.
• Analyze competitor financial results, profitability trends, portfolio growth, funding mix, and operating efficiency.
• Track industry developments, market trends, interest rate movements, and emerging business opportunities.
• Prepare comparative analysis reports and management presentations to support strategic decision-making.
• Identify best practices and recommend initiatives to improve business performance and profitability.

Automation & Process Improvement

• Improve financial reporting and planning processes.
• Develop automated MIS and dashboards using Excel, Power BI or similar tools.
• Drive data accuracy and reporting standardization initiatives.

Qualifications & Experience

• CA / CMA / CFA (Preferred)
• 8-10 years of experience in FP&A, Business Finance, Management Reporting or Financial Analysis.
• Experience in NBFC, MFI, Banking or Financial Services preferred.
• Understanding microfinance business models and RBI regulations is desirable.