Head - Business Finance - Lending Vertical - Consumer Tech Startup

We are seeking an experienced Head of Business Finance to lead the financial strategy for our Lending Vertical as we prepare for an IPO. This role is critical in driving financial planning, revenue optimization, risk management, and profitability for our lending business. You will collaborate closely with business, product, risk, and investor relations teams to ensure sustainable growth and compliance with regulatory requirements.

Key Responsibilities

1. Strategic Financial Planning & Analysis (FP&A)

- Lead financial planning, forecasting, and budgeting for the lending business.

- Monitor key financial metrics like loan book growth, NIM (Net Interest Margin), NPAs, CAC, LTV, and ROE.

- Drive data-driven decision-making through scenario analysis and stress testing.

2. Lending Unit Economics & Profitability

- Optimize loan pricing, credit risk models, and underwriting efficiency to maximize profitability.

- Work with risk and credit teams to balance growth, risk, and compliance.

- Identify opportunities to enhance cost efficiency, margins, and operational effectiveness.

3. Fundraising & Capital Allocation

- Support capital raise initiatives (debt & equity), working closely with investors and banks.

- Optimize debt financing structures, securitization, and treasury management.

- Ensure efficient capital allocation for loan disbursement and working capital needs.

4. Financial Reporting & IPO Readiness

- Oversee financial reporting, audits, and regulatory filings in compliance with IPO requirements.

- Develop investor presentations, earnings reports, and board-level financial insights.

- Work with legal, compliance, and risk teams to ensure adherence to RBI and SEBI regulations.

5. Business Growth & Cross-Functional Collaboration

- Partner with product, marketing, and risk teams to drive lending growth and innovation.

- Assess new business models, credit products, and partnerships for expansion.

- Act as a strategic finance advisor to leadership, supporting long-term growth initiatives.

Key Qualifications

- 8-13 years of experience in lending, fintech, or consumer tech startups.

- Strong background in financial planning, credit risk, and capital markets.

- Prior experience in IPO preparation, investor relations, or fundraising is a plus.

- Deep understanding of lending metrics, regulatory compliance, and unit economics.

- Expertise in financial modeling, pricing strategies, and capital allocation.

- Strong leadership, stakeholder management, and data-driven decision-making skills.

Why Join Us?

- Be a key financial leader in a high-growth, IPO-bound consumer tech startup.

- Work on scaling a lending business, optimizing capital strategy, and driving profitability.

- Collaborate with top-tier investors, business leaders, and regulatory stakeholders.