Job Title

Role: Business Planning and AnalystLocation: GurgaonExperience Level- 3-5 YearsRole Objective: To own P&L planning, forecasting, portfolio profitability analysis, and financial decision support for the NBFC, enabling management to drive growth, margin expansion, and capital efficiency.Roles and Responsibilities:- Own complete monthly P&L analysis for the lending business - Analyze interest income, yield movement, cost of funds, credit cost, provisioning, and opex vs budget - Identify reasons for variance against plan and previous periods - Prepare management and Board-level commentary - Lead annual budgeting and rolling forecasts for disbursements, AUM growth, income, credit costs, write-offs, and expenses - Create base, upside, and downside forecast scenarios - Support decisions on growth vs profitability, product mix, pricing, and tenure - Analyze profitability by product and customer cohort - Track unit economics including contribution margin, CAC recovery, and break-even timelines - Work with Credit and Risk teams to assess impact of delinquency on P&L - Support launch and modification of loan products from a profitability perspective - Act as finance partner to business, credit, risk, and collections teams - Convert operational metrics into financial insights - Challenge assumptions using data-driven analysis - Prepare Board, investor, and lender decks on performance, forecasts vs actuals, risks, and sensitivities - Support fundraising activities with financial models and projections - Build and maintain P&L, AUM, ECL, and sensitivity models - Analyze impact of interest rate changes, credit cost movement, and funding mix changesQualifications:Educational Background: CA/MBAExperience: 3-4 years of experience in NBFC/lending finance