We are looking for a Chartered Accountant (CA) with deep expertise in digital lending who can own and scale our finance operations, portfolio health tracking, and financial reporting.

Key Responsibilities:

Loan Book & Portfolio Management

- Oversee loan book across direct sourcing, co-lending, and BC partnerships.

- Build and maintain real-time dashboards to monitor key metrics (NPA %, PAR, collections efficiency, etc.

- Ensure accurate reconciliation of all loans with bank statements, LMS, and accounting systems.

FLDG & Partnership Management

- Lead financial evaluations and monitoring of fintech partners with FLDG arrangements.

- Track and reconcile FLDG coverage, defaults, and recoveries.

- Manage co-lending and BC partnerships, including financial diligence, cash flow alignment, and MIS integration.

Evaluation & Due Diligence of Partners

- Conduct in-depth financial and risk analysis of NBFCs and fintech entities.

- Review promoter background, CAR, GNPA/NNPA, ALM, audit reports, and compliance status.

- Prepare recommendation reports for partnerships and investments.

Financial Reporting & Compliance

- Prepare accurate financial statements (quarterly/annual) in compliance with SEBI and RBI norms.

- Oversee statutory audits, internal audits, and RBI inspections.

- Manage tax planning, GST compliance, and other regulatory filings.

Automation & Process Optimization

- Partner with the product team to automate reconciliation, reporting, and financial processes.

- Integrate finance dashboards into the LMS for real-time risk visibility.

- Identify automation opportunities in financial reporting and portfolio monitoring.

Strategic Financial Planning

- Prepare monthly MIS, cash flow forecasts, and portfolio analysis.

- Collaborate with leadership to improve margins, reduce defaults, and optimize lending operations.

- Evaluate ROI and financial performance of partnerships and products.

Key Skills & Experience:

- Chartered Accountant (CA) with 4+ years of experience, preferably in digital lending or fintech-NBFC models.

- Strong knowledge of unsecured personal loans and FLDG models in co-lending and BC partnerships.

- Expertise in NBFC operations, RBI compliance norms, and financial reporting for publicly listed companies.

- Hands-on experience in loan reconciliation, portfolio health tracking, and dashboard creation.

- Proven track record of due diligence of NBFCs and fintech companies.

- Strong analytical and financial modeling skills (NPA %, PAR, interest yield, etc.

- Proficiency in Tally, Excel (advanced) and familiarity with ERP/LMS systems.

Traits We Value:

- Strategic Thinker: Can link financial insights with business strategy.

- Problem Solver: Finds automation-driven solutions to manual finance tasks.

- Tech-Savvy: Understands data flows between finance, LMS, and partner systems.

- Ownership Mindset: Takes full accountability for financial health and reporting.