Financial analyst

About the Product

An international fintech company developing a consumer lending business in the Indian market.

We are looking for an experienced Financial Analyst to provide independent financial oversight of a digital consumer lending business on behalf of its investor.

In this role, you will be responsible for independently verifying financial data, monitoring business performance, identifying discrepancies, and ensuring the accuracy of key financial metrics and reports.

You will work closely with the investor and the company’s management team, providing an objective view of the business’s financial performance. Your role is to verify the numbers, challenge inconsistencies, and provide reliable financial insights — not to manage the company’s finance function.

This is a fractional engagement, requiring approximately 1−2 days per week.

Key Responsibilities

• Reconcile disbursements, repayments and fees weekly across the loan origination system, loan management system, collection CRM, Internal Stats system, bank statements and payment gateway, and investigate every unmatched item.
• Recalculate monthly P&L and unit economics from raw data (CAC, cost of risk, collection cost, contribution margin per loan) rather than relying on management reports.
• Track portfolio quality metrics monthly
• Track cash balances within all bank accounts, match with forecasts and reports
• Write a monthly report covering key metrics, plan vs actual, discrepancies found and open questions to management.

Requirements

• 4−7 years of professional experience in FP&A, financial analysis, financial controlling, or audit.
• Previous experience in retail lending, consumer finance, microfinance, or fintech is strongly preferred.
• Strong understanding of financial statements, P&L analysis, cash flow management, and financial controls.
• Hands-on experience with financial reconciliations, ideally involving loan disbursements, repayments, bank transactions, and payment gateways.
• Proven ability to independently identify and investigate discrepancies in financial data. Candidates should be able to provide specific examples of reconciliation gaps, incorrectly reported metrics, or corrected financial forecasts.
• Strong Excel or Google Sheets skills, including financial modelling, scenario analysis, and sensitivity analysis.
• Ability to work with large datasets and extract meaningful insights from raw transactional information.
• Strong analytical mindset, attention to detail, and a high level of ownership.
• Comfortable challenging management figures, asking direct questions, and escalating issues when explanations are insufficient.
• Fluent English, both written and spoken.

Expected Outcomes: First 6−12 Months

By Month 2

• Independently manage the full weekly reconciliation process.
• Ensure that 100% of unmatched transactions are investigated and explained within 5 business days.

From Month 3

• Deliver the monthly investor report by the 10th working day of each month.
• Ensure that every key financial metric is independently recalculated and validated using raw data.

By Month 4

• Build and maintain an independent unit economics and cohort model.
• Ensure that the model matches management-reported figures within a 2% variance or clearly documents and explains every discrepancy.