About The Client
Our client is a publicly listed NBFC, pioneering 100% digital loans in India with zero manual intervention. They specialize in unsecured personal loans and partner with fintechs and NBFCs to build innovative lending models like FLDG, co-lending, and business correspondence (BC). They are looking for a Chartered Accountant with deep experience in digital lending who can own and scale our finance operations, portfolio health tracking, and financial reporting.
Key Responsibilities
- Loan Book & Portfolio Management
- End-to-end oversight of Apollo Finvest’s loan book across direct sourcing, co-lending,
and BC partnerships.
- Build and maintain real-time dashboards to monitor loan book performance (NPA %,
PAR, collections efficiency, etc.).
- Ensure accurate reconciliation of all loans (direct and partner-sourced) with bank
statements, LMS, and accounting systems.
- FLDG & Partnership Management
- Lead financial evaluations and ongoing monitoring of fintech partners with FLDG
arrangements.
- Track and reconcile FLDG coverage, defaults, and recoveries.
- Manage co-lending and BC partnerships, including financial diligence, cash flow
alignment, and MIS integration.
- Evaluation & Due Diligence of NBFCs/Partners
- Conduct in-depth financial and risk analysis of NBFCs or non-NBFC entities for potential
partnerships.
- Review promoter background, financial health (CAR, GNPA/NNPA, ALM), audit reports,
and compliance status.
- Prepare recommendation reports for partnerships and investment decisions.
- Financial Reporting & Compliance
- Prepare accurate and timely financial statements for Apollo Finvest (quarterly/annual),
ensuring compliance with all SEBI and RBI regulations.
- Oversee statutory audits, internal audits, and RBI inspections.
- Manage tax planning, GST compliance, and other regulatory filings.
- Automation & Process Optimization
- Work closely with the product team to automate reconciliation, reporting, and financial
processes.
- Drive integration of finance dashboards into the loan management system (LMS) for
real-time portfolio and risk visibility.
- Identify opportunities for automation in financial reporting and portfolio monitoring.
- Strategic Financial Planning
- Prepare monthly MIS reports, cash flow forecasts, and portfolio analysis to support
strategic decision-making.
- Collaborate with the leadership team to improve margins, reduce defaults, and optimize
lending operations.
- Evaluate ROI and financial performance of all lending partnerships and products.
Key Skills & Experience
- Must be a Chartered Accountant (CA) with 5+ years of experience, preferably in
digital lending or fintech-NBFC models.
- Strong experience with unsecured personal loans and FLDG models in co-lending
and BC partnerships.
- Deep knowledge of NBFC operations, RBI compliance norms, and financial reporting
requirements for publicly listed companies.
- Hands-on experience in loan reconciliation, portfolio health tracking, and real-time
dashboards.
- Proven track record of due diligence of NBFCs and fintech companies.
- Mindset of automation and process innovation, with experience working with
product/tech teams.
- Strong analytical skills, with expertise in financial modeling and KPIs (NPA %, PAR,
interest yield, etc.).
- Proficiency in Tally, Excel (advanced), and familiarity with ERP/LMS systems.
Traits We Value
- Strategic thinker: Can link financial insights with business strategy.
- Problem solver: Finds automation-driven solutions to manual finance tasks.
- Tech-savvy: Understands data flows between finance, LMS, and partner systems.
- Ownership mindset: Takes full accountability for financial health and reporting.
Skills: due diligence,financial reporting,nbfc,tally,chartered accountant,fldg,loan,portfolio tracking,ms excel,lending,finance,lms,fintech,compliance