Lead business finance and controllership for lending and asset management operations. Responsibilities include forecasting, budgeting, variance analysis, portfolio and NPA reporting, profitability modeling, loan accounting, provisioning, financial close, regulatory compliance, audits, internal controls, MIS, board reporting, and finance-system improvements. Partner with business, credit, treasury, collections, legal, sales, and operations teams while presenting financial insights to senior leadership.
About Us
Yubi (https://www.go-yubi.com/) stands for ubiquitous. But Yubi will also stand for transparency, collaboration, and the power of possibility. From being a disruptor in India’s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products.
Yubi is the place to unleash potential. Freedom, not fear. Avenues, not roadblocks. Opportunity, not obstacles!
Founded in 2020 by CEO, Gaurav Kumar, Yubi's technology infrastructure, credit marketplace, risk evaluation, and collections platforms facilitate every stage of the flow of money from lenders to borrowers and back to lenders. The company is backed by esteemed investors like Peak XV, Lightspeed, Lightrock, TVS Capital, B Capital Group, Dragoneer Investment Group, and Insight Partners, among others.
With a mission to deepen the debt market and democratize capital flow, Yubi is transforming the financial landscape, fostering inclusivity, and building a transparent and responsible ecosystem for all.
Location: Chennai
Role Overview:
This role is responsible for driving financial planning, analysis, business partnership, and strong controllership for the organization's lending and asset management operations. The candidate will ensure robust financial governance, support revenue and portfolio growth, and manage statutory compliance and financial reporting for the NBFC/Financial Services business.
Key Responsibilities:
Business Finance:
- Collaborate with the business and credit teams to provide financial insights that inform growth, profitability, and risk monitoring across wholesale, retail, or MSME lending products.
- Lead financial forecasting, collections and disbursal reporting, budgeting, and detailed variance analysis with direct linkage to AUM/loan book performance and NIM (Net Interest Margin) targets.
- Prepare portfolio trend dashboards, track NPA (Non-Performing Assets) metrics, and deliver insights on product/channel performance.
- Support pricing decisions, cost of funds monitoring, and profitability analysis for lending operations or new financial products.
- Build financial models for new loan offerings, asset securitization deals, or debt capital markets initiatives.
- Monitor OPEX, collections efficiency, and product-wise contribution; provide recommendations to optimize revenue and cost efficiency.
Controllership:
- Supervise finance operations including accounting for loans, provisioning, interest accruals, and fund flows.
- Ensure regulatory compliance with RBI guidelines, IND AS, and relevant local financial regulations; coordinate with statutory, internal, and RBI auditors.
- Oversee monthly/quarterly financial closing activities, including reconciliation of AUM, loan books, NPA/NPL calculations, cost allocations, and statutory reporting (such as ALM, capital adequacy, CRAR, etc.).
- Strengthen internal controls on lending, borrowing, and treasury operations.
- Lead implementation or enhancement of NBFC-specific ERP/finance systems
- Prepare accurate and timely MIS, board decks, and investor reports in line with NBFC standards.
Stakeholder & Process Management:
Partner closely with business, collections, treasury, legal, sales, and operations teams to drive business objectives and streamline finance operations.
Present financial and risk insights to senior leadership for strategic decision-making.
Identify, recommend, and implement process improvements for efficiency, compliance, and digital transformation in financial operations.
Requirements
- CA/CMA/MBA (Finance) or equivalent with 5–8 years’ experience in business finance, FP&A, or controllership, specifically in NBFCs or financial services organizations.
- Strong understanding of NBFC operations including lending cycles, RBI and IFRS/IND AS regulatory frameworks, and NPA management.
- Proficient in financial analysis, reporting, risk management, and stakeholder alignment within the BFSI sector.
- Advanced Excel and financial modelling skills; familiarity with ERP/finance software preferred.
- Ability to work independently in a dynamic, regulated, and growth-focused environment.
- Strong analytical, communication, and team management skills.
Yubi Chennai, Tamil Nadu, IND Office
Chennai, Tamil Nadu, India, 600035
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