Digital Lending Specialist

2 days ago

Mumbai, Maharashtra, India beBeeAccountant Full time ₹ 20,00,000 - ₹ 25,00,000
Finance Operations Manager

Job Title: Finance Operations Manager

A pioneering fintech company specializes in unsecured personal loans and digital lending models.

They are looking for a Chartered Accountant (CA) with expertise in digital lending to own and scale finance operations, portfolio health tracking, and financial reporting.

Key Responsibilities:

  • Oversee loan book across direct sourcing, co-lending, and partnerships.
  • Build and maintain real-time dashboards to monitor key metrics.
  • Ensure accurate reconciliation of all loans with bank statements and accounting systems.

Financial Evaluations & Due Diligence:

  • Lead financial evaluations and monitoring of fintech partners.
  • Track and reconcile coverage, defaults, and recoveries.
  • Manage co-lending and BC partnerships, including financial diligence and cash flow alignment.

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 in compliance with regulatory norms.
  • Oversee statutory audits, internal audits, and 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 5+ years of experience 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.
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