Senior Manager, Business Finance - Lending
Job Description
- Prior experience within the Consumer Tech, NBFC, Banking, or Fintech sectors
- Extensive understanding of financial trends and market patterns
- Strong business acumen with analytical approach
- Proven experience in commercial negotiations and partnerships
- Chartered Accountant/MBA with 7+ years of work experience
- Strong proficiency in MS Excel and presentations
- Strong analytical and problem-solving skills
- Proactive, takes initiative, self-motivated, team player
- Strong stakeholder management and interpersonal skills
- Medical, Critical Illness, Accidental, and Life Insurance
- Employee Assistance Program, Onsite Medical Center
- Maternity and Paternity Benefit Programs
- Mobility Benefits
- Retirement Benefits
- Higher Education Assistance, Car Lease
About PhonePe Group:
PhonePe is India’s leading digital payments company with 50 crore (500 Million) registered users and 3.7 crore (37 Million) merchants covering over 99% of the postal codes across India. On the back of its leadership in digital payments, PhonePe has expanded into financial services (Insurance, Mutual Funds, Stock Broking, and Lending) as well as adjacent tech-enabled businesses such as Pincode for hyperlocal shopping and Indus App Store which is India's first localized App Store. The PhonePe Group is a portfolio of businesses aligned with the company's vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services.
Culture
At PhonePe, we take extra care to make sure you give your best at work, Everyday! And creating the right environment for you is just one of the things we do. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. Being enthusiastic about tech is a big part of being at PhonePe. If you like building technology that impacts millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us!
Minimum Qualifications
- Chartered Accountant/ MBA with 7+ years of work experience
- Strong Proficiency in MS Excel and presentations
- Strong analytical and problem-solving skills
- Proactive, takes initiative, self-motivated, team player
- Strong stakeholder management and interpersonal skills
Preferred Qualifications
- Prior experience within the Consumer Tech, NBFC, Banking, or Fintech sectors is highly preferred.
- Extensive understanding of financial trends within the company and general market patterns, particularly in the credit space.
- Strong business acumen with an analytical approach and a deep understanding of general business development and operations in a tech-driven environment.
- Proven experience in commercial negotiations and partnerships.
Responsibilities
- Strategic Financial Planning & Analysis for Lending:
- Define the annual operating plan (AOP), outlook, and key metrics for the category.
- Develop and refine financial models to evaluate new lending products, partnerships, and initiatives, facilitating data-driven decision-making.
- Provide insightful financial reports and interpret financial information for the Lending leadership and other stakeholders, recommending further courses of action.
- Develop trends, forecasts, and projections for the Lending business growth, revenue, and overall financial health.
- Business Partnership & Performance Management:
- Act as a key finance business partner to the Lending category heads, co-owning the P&L and ensuring the operating and financial health of the vertical.
- Conduct regular reviews and evaluations of business performance, identifying growth opportunities, risks to the plan, cost optimization, and profitability enhancement within the category portfolio.
- Collaborate closely with cross-functional teams (Business, Credit Risk, Product, Engineering, Marketing, Operations) to discuss, agree upon, and drive strategic projects for the Lending business.
- Lead commercial negotiations and support partnership/alliance discussions relevant to the category.
- Review and provide financial inputs for agreements and contracts.
- Process Excellence & Team Leadership:
- Drive process improvement initiatives within the Business Finance function to enhance efficiency and effectiveness for the vertical.
- Ensure robust monthly planning, meticulous review processes, and timely closure of financial activities for the Lending business.
- Manage and mentor a team of finance professionals.
PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)
- Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance
- Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System
- Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program
- Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy
- Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment
- Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy
Working at PhonePe is a rewarding experience! Great people, a work environment that thrives on creativity, the opportunity to take on roles beyond a defined job description are just some of the reasons you should work with us. Read more about PhonePe on our blog.
