Overview
About Company
The company operates in the financial services industry, providing technology-driven digital lending solutions as a regulated non-banking financial company (NBFC) partner to fintechs and other businesses.
Job Description
Loan Book & Portfolio Management
– End-to-end oversight of the loan book across direct sourcing, co-lending, and BC partnerships.
– Build and maintain real-time dashboards to monitor loan book performance (NPA %, PAR, collections efficiency, etc.).
– Ensure accurate reconciliation of all loans (direct and partner-sourced) with bank statements, LMS, and accounting systems.
FLDG & Partnership Management
– Lead financial evaluations and ongoing 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 NBFCs/Partners
– Conduct in-depth financial and risk analysis of NBFCs or non-NBFC entities for potential partnerships.
– Review promoter background, financial health (CAR, GNPA/NNPA, ALM), audit reports, and compliance status.
– Prepare recommendation reports for partnerships and investment decisions.
Financial Reporting & Compliance
– Prepare accurate and timely financial statements (quarterly/annual), ensuring compliance with all SEBI and RBI regulations.
– Oversee statutory audits, internal audits, and RBI inspections.
– Manage tax planning, GST compliance, and other regulatory filings.
Automation & Process Optimization
– Work closely with the product team to automate reconciliation, reporting, and financial processes.
– Drive integration of finance dashboards into the loan management system (LMS) for real-time portfolio and risk visibility.
– Identify opportunities for automation in financial reporting and portfolio monitoring.
Strategic Financial Planning
– Prepare monthly MIS reports, cash flow forecasts, and portfolio analysis to support strategic decision-making.
– Collaborate with the leadership team to improve margins, reduce defaults, and optimize lending operations.
– Evaluate ROI and financial performance of all lending partnerships and products.