Benow is a technology-driven financial services company redefining affordability and payments in India. As one of the country’s leading Buy Now, Pay Later (BNPL ) and digital payments platforms, we seamlessly connect customers, merchants, brands, and financial partners to modernize how transactions happen
At our core, we believe in simplifying payments — moving away from legacy hardware-centric systems to a fully digital, agile ecosystem that empowers retail growth and enhances customer experience. Our solutions span mobile, CDIT devices, UPI, instant EMI, and unique features like instant cashback and pre-reserve journeys.
Role Description
The Director – Finance will serve as a strategic finance partner to business leadership, driving financial planning, performance management, business insights, and decision support across the organization.
The role will own budgeting, forecasting, management reporting, working capital optimization, profitability analysis, and business performance reviews while enabling data-driven decision making. The incumbent will play a key role in improving financial governance, strengthening controls, driving automation, and supporting the company's growth strategy.
The responsibilities we entrust you with.
1. Financial Planning & Business Performance
- Lead Annual Operating Plan (AOP), budgeting, rolling forecasts, and long-range planning.
- Develop robust financial models to support strategic decisions, investments, pricing, and growth initiatives.
- Monitor business performance against budgets and KPIs, identifying risks and opportunities.
- Deliver actionable insights on revenue growth, margin improvement, profitability, and cost optimization.
- Drive scenario planning and sensitivity analysis to support leadership decisions.
2. Management Reporting & MIS
- Own monthly, quarterly, and annual management reporting for senior leadership.
- Prepare Board, CEO, CFO and Investor-ready financial dashboards and performance packs.
- Ensure timely, accurate and insightful reporting with meaningful variance analysis.
- Build automated dashboards and KPI scorecards for business tracking.
- Standardize MIS across business units and subsidiaries.
3. Strategic Finance & Business Partnering
- Partner with Business Heads, Sales, Operations, Product and Technology teams to influence commercial decisions.
- Evaluate new business opportunities through financial modelling and investment analysis.
- Support pricing strategy, product profitability, customer profitability and commercial negotiations.
- Prepare business cases for strategic initiatives, partnerships and capital allocation.
- Act as a trusted advisor to business leaders on financial performance and value creation.
4. P&L Ownership
- Drive end-to-end P&L analysis for business units and products.
- Monitor revenue, gross margins, operating costs and EBITDA performance.
- Identify key business drivers and recommend actions to improve profitability.
- Track productivity metrics and operating leverage across businesses.
5. Working Capital & Cash Flow Management
- Drive working capital optimization across receivables, payables and inventory.
- Monitor cash conversion cycle and liquidity metrics.
- Partner with operations and commercial teams to improve collections and optimize vendor payments.
- Support treasury planning and cash flow forecasting.
6. Financial Controls & Governance
- Ensure integrity, accuracy and completeness of financial information.
- Partner with Accounting during monthly and quarterly financial close.
- Strengthen financial controls, policies and governance frameworks.
- Support internal and statutory audits with high-quality financial analysis.
7. Process Excellence & Automation
- Drive continuous improvement across finance processes.
- Identify opportunities for automation, digitization and AI-led reporting.
- Build scalable reporting frameworks using Oracle ERP and Business Intelligence tools.
- Improve reporting efficiency and reduce manual interventions.
Key Deliverables
- Annual Budget & Rolling Forecast
- Monthly Business Performance Review
- Board & Management MIS
- Financial Models & Business Cases
- Profitability Analysis
- Working Capital Dashboard
- Cash Flow Forecast
- KPI & Performance Dashboards
- Automation & Process Improvement Initiatives
Candidate Profile
Education
- Chartered Accountant (CA)
Experience
- 10–15 years of post-qualification experience in FP&A, Business Finance or Commercial Finance.
- Experience in FinTech, Payments, Banking, Financial Services or high-growth technology organizations is preferred.
- Strong exposure to budgeting, forecasting, management reporting and business partnering.
- Experience in Oracle ERP is recommended.
- Exposure to Business Intelligence tools (Power BI/Tableau) will be an added advantage.
Required Competencies
Technical
- Financial Planning & Analysis
- Business Finance
- Financial Modelling
- Management Reporting
- Working Capital Management
- P&L Management
- Budgeting & Forecasting
- Cash Flow Planning
- Variance Analysis
- Oracle ERP
- Advanced Excel & PowerPoint
- Power BI / Tableau (Preferred)
Why Join Us
- Opportunity to work closely with senior leadership and influence strategic business decisions.
- Exposure to high-growth fintech and digital payments ecosystem.
- Ownership of business-critical finance initiatives.
- Opportunity to drive finance transformation through automation, analytics, and AI-enabled decision support.
High visibility role with significant career growth potential.
What we value in our people:
- You take the Shot : You decide fast and deliver right.
- You are the CEO of what you do: You show ownership and make things happen.
- You own tomorrow: You build solutions for the merchants and do the right thing.
- You sign your work like an artist: You seek to learn and take pride in the work you do.
- You are the Sherpa: You take people along and act in the interest of Pine Labs
- You care with toug h love: You empower others and help people grow.