bengaluru, karnataka, India Unknown Posted 3 days ago
ROLE PURPOSE & OBJECTIVE:
Build business planning, budgeting and profitability management framework for the MSME business by anchoring annual operating plans, monthly outlooks, revenue tracking, cost controls and performance governance.
Own P&L visibility across products, segments, regions and channels, ensuring timely identification of revenue opportunities, margin movements, cost pressures, credit-cost trends and profitability improvement levers.
Partner with Business, Finance, Risk, Credit, Operations, Analytics and Product teams to translate plans into actionable targets, dashboards, performance reviews and corrective interventions.
Support leadership decision-making through sharp financial analysis, scenario modelling, variance analysis, productivity tracking and structured business review notes.
Own branch-level and regional-level profitability monitoring by tracking revenue, costs, credit costs, contribution margins and risk-adjusted returns; identify profitability improvement opportunities, support performance governance and drive actionable interventions to enhance business performance.
Own MSME business planning, budgeting, forecasting and P&L tracking cadence in partnership with Finance and Business teams.
Track revenue, NII, fee income, opex, cost of funds, credit cost, profitability and contribution margin against agreed targets.
Develop product-wise, region-wise, channel-wise and segment-wise profitability views for business reviews and strategic decisions.
Build financial models for new products, pricing changes, channel expansion, campaigns, pilots and policy changes.
Support management reviews with concise dashboards, commentary, insights and action trackers.
Work with business, regional and product teams to translate financial plans into executable targets and performance scorecards.
Support leadership discussions with clear articulation of business drivers, profitability levers, risks and opportunities.
Maintain structured governance for plan versus actuals, revenue bridge, cost bridge, profitability bridge, forecast changes and action closures.
Educational Qualifications:
CA qualified or MBA Finance. Additional qualification in Business Analytics, Financial Modelling, Risk Management or Banking is preferred.
Experience:
5 to 8 years of experience in Banking / NBFC / Financial Services, preferably in business planning, financial planning & analysis, P&L management, business finance, MIS, product finance, retail assets / MSME lending analytics, pricing or strategy roles.