About this role
Main Accountabilities
Qualifications & Experience
- CA with 1-2 years of experience in Business Accounting / FP&A / MIS
- Strong understanding of P&L, financial reporting, and analysis
- Strong understanding of asset quality (GNPA), credit cost, and lending products
- Strong Excel and analytical skills
- Exposure to dashboarding tools (good to have)
Competencies
- Ownership
- Boundaryless Behaviour
- Cost Consciousness
Functional Competencies
- GNPA
- Credit costs
- Margins
Key Decisions taken
- Identification and escalation of variance drivers and inconsistencies
- Selection of appropriate data sources for reporting and analysis
- Prioritization of reporting tasks based on timelines and requirements
- Highlighting discrepancies in Asset quality, Credit costs, Margins and other key performance metrics
1. Budgeting & Performance Tracking Support
- Support preparation of annual budgets for margins, AQ & credit cost and balance sheet analysis
- Track monthly/quarterly rolling estimates and performance metrics
- Highlight key deviations and assist in performance analysis
2. Asset Quality & Credit Cost Analysis Support
- Track and analyze GNPA, standard asset movement, and credit cost trends
- Support preparation of asset quality MIS and dashboards
- Assist in assessing impact of asset quality on business performance
Monthly P&L
- Preparation monthly P&Ls for different SBUs and Products. Analyse the reasons for variance against budget
3. Margin Analytics
- Prepare the necessary break down of Margins and and it’s components to understand and analyse the reasons for variance
- Analyse the trend and prepare the waterfall for Consol, entities as well as SBUs
- Liason with the SBU SPOCs for the timely assimilation of information required for presenting the analysis
4. Cost allocation cycles
- Assist in preparation of allocations of cost of shared services, identifying and collating the key drivers for the allocation of costs
- Assist in presenting the analysis justifying the cost allocations across verticals as well as products/segments
- Ensure timeliness, accuracy as well as consistency in reporting across SBUs
- 5. Management Reporting Support (Investor Presentations / ACM / MIS Decks)
- Assist in preparation of IP / Board / ACM decks and management presentations
- Collate and present the key data points required for Investor calls such as ATS, ACL, GECL, IRR, and portfolio metrics
- Ensure accuracy and consistency of reporting outputs
6. Business Accounting & Process Support
- Support processes related to daily and monthly book closure, AUM reporting, average book, disbursals, IRRs etc.
- Validate financial data across systems and reports
- Assist in ensuring alignment of reporting across business units