Credit Saison - Deputy Vice President/Vice President - Business Finance - CA (10-27 yrs)

DVP/VP - Business Finance

About Credit Saison India:

Established in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people.

Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact.

Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Based in Singapore, over 1,000 employees work across Saison's global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan's largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment.

Location: Mumbai

Qualification:

- CA/MBA (Finance) with NBFC experience and possess knack of lending business.

Job Description:

- Financial Analysis and Insights.

- Provide timely and accurate financial analysis to support decision-making.

- Analyze financial performance, including variances from budgets and forecasts, and provide insights into business drivers and trends.

- Develop and present financial models and scenario analyses to assess the financial impact of various business decisions.

Business Partnering:

- Act as the primary financial liaison between the finance team and business units.

- Work closely with operational managers to understand their challenges and help them manage their financial performance.

- Translate financial data into actionable insights that can drive business growth and improve profitability.

- Provide support for business cases, new initiatives/partnership and strategic commercial decision support by offering a financial perspective.

Budgeting and Forecasting:

- Support the annual budgeting process for assigned business units, ensuring that financial targets align with the company's overall objectives.

- Collaborate with department heads to ensure realistic budgeting and alignment with business goals.

Performance Monitoring and Reporting:

- Monitor key financial metrics, such as revenue, costs, margins, and profitability, to track performance against targets.

- Produce regular financial reports and dashboards for business units and senior management.

- Highlight areas of concern and recommend actions to address variances or capitalize on opportunities.

Stakeholder Communication:

- Present complex financial information to non-financial stakeholders in a clear and concise manner.

- Work with senior management to align financial strategies with business goals.

- Foster strong working relationships across different teams and departments.