Financial Planning and Analysis Manager

Key ResponsibilitiesFinancial Planning & BudgetingLead the annual budgeting and financial planning process across departments.Prepare monthly, quarterly, and annual forecasts.Develop branch-wise, region-wise and product-wise financial projections.Monitor actual performance against budgets and provide variance analysis.Support long-term business planning and strategic initiatives.Management Information System (MIS) & ReportingPrepare monthly management reports and business performance dashboards.Present key financial metrics to senior management and Board committees.Track operational KPIs including: AUM, Disbursement, Collection Efficiency, PAR (Portfolio at Risk), Yield, Cost of Funds, Operating Expense Ratio, ROA & ROEFinancial AnalysisConduct profitability analysis at branch, regional and product levels.Analyse business trends and identify improvement opportunities.Evaluate cost optimization and productivity enhancement initiatives.Monitor financial performance and recommend corrective actions.Business PartneringWork closely with Business, Operations, HR and Credit teams for financial planning.Support strategic decision-making through data-driven financial analysis.Perform scenario modelling and sensitivity analysis.Assess financial impact of new products, locations and business initiatives.Treasury & Funding SupportSupport preparation of cash flow forecasts.Assist in fund utilization planning and liquidity management.Coordinate with Treasury team for borrowing and fund deployment analysis.Monitor borrowing costs and portfolio yields.Competitive Benchmarking & Market AnalysisConduct benchmarking of financial and operational performance against peer MFIs, NBFCs, and industry standards.Analyze competitor financial results, profitability trends, portfolio growth, funding mix, and operating efficiency.Track industry developments, market trends, interest rate movements, and emerging business opportunities.Prepare comparative analysis reports and management presentations to support strategic decision-making.Identify best practices and recommend initiatives to improve business performance and profitability.Automation & Process ImprovementImprove financial reporting and planning processes.Develop automated MIS and dashboards using Excel, Power BI or similar tools.Drive data accuracy and reporting standardization initiatives.Qualifications & ExperienceCA / CMA / CFA (Preferred)8-10 years of experience in FP&A, Business Finance, Management Reporting or Financial Analysis.Experience in NBFC, MFI, Banking or Financial Services preferred.Understanding microfinance business models and RBI regulations is desirable.