Associate Director - Business Finance

About ACKO
ACKO is the protection destination for over 200 million tech-savvy families across India, protecting their families, assets and money. Launched in 2016, ACKO started by reimagining insurance, making it simple, hassle-free and customer-first. Today, our mission goes beyond that: we aim to touch the lives of 1 million users, building products that solve real-world problems with technology at the core.
We are not just another insurance company, our DNA is product-tech, and our approach is bold, innovative, and digital-first. From zero commission, zero paperwork, and instant renewals to same-day claims settlements and app-based tracking, ACKO is a Welcome Change from traditional insurers.
But what truly sets us apart Our people. At ACKO, every Ackers voice and ideas matter. Were a vibrant, inclusive team of creators, thinkers, and doers, building products that redefine protection while ensuring each Acker grows, thrives and does meaningful work.
Join us at ACKO, where bold ideas, real impact and tech-driven innovation redefine protection and peace of mind - and where YOU can make a real difference in peoples lives. ACKO is a product-tech company, launched in 2016, solving real-world problems for customers, starting with insurance. And as a customer-first organization serving the digitally-savvy, ACKOs value proposition of Welcome Change focuses on offerings that make insurance simple and hassle-free! With features such as zero commission, zero paperwork, instant renewal, same-day claim settlements, and app-based updates on claims, ACKO is a Welcome Change from traditional insurers.
Having said that, we are not just another conventional insurance firm, or the people consulted solely for claims! Anchored in a tech-centric philosophy, ACKOs approach fuels innovation, empowering us to develop comprehensive products that cater to every aspect of our customers insurance requirements. And while we are at it, we put our Ackers at the heart of everything we do. Were not your typical 9-to-5 workplace; were a vibrant and inclusive bunch of innovators and creators making sure every Ackers idea matters, their voice is heard, and their growth is part of our mission.
About The Business
Acko Drive, Acko Garage (via the ADSC franchise network) and Content together form Ackos ecosystem play around the Auto D2C business – spanning organic/content-led acquisition, in-house and franchised vehicle servicing, and parts procurement. The business is being scaled aggressively, with a target of 5x growth over the next 12–18 months, making this one of the highest-priority build-outs in D2C Business Finance.
This role becomes the dedicated Business Finance owner for this cluster, replacing the outgoing incumbent, and will operate with a high degree of independence – partnering directly with business heads, the CFO office, and, where relevant, the founder.
Role Summary
We are looking for a strategic yet hands-on person to own the P&L, financial frameworks, and growth agenda for Acko Drive, Acko Garage and Content. This is not a pure reporting or MIS role – the person must be able to get into the weeds of business and operational detail (garage unit economics, content ROI, vendor contracts, franchise commercials) while also operating at a strategic altitude with senior stakeholders. Given the scale-up ambition (5x in 12–18 months), the ideal candidate has seen both a 0-to-1 build phase and a 1-to-100 scaling phase in a prior organisation, and is comfortable driving ambiguous, cross-functional problems to closure without heavy oversight.
Key Responsibilities

• P&L Ownership – Own the monthly P&L for Acko Drive (revenue, content/SEO-linked metrics, operating costs), including accurate cost allocation between Acko Drive and the insurance verticals.
• Acko Garage Investment Framework – Build and maintain the financial model for new Acko Garage / ADSC investment decisions – capex requirement, revenue ramp-up, breakeven analysis, ROI, and investment guardrails. Track garage P&L actuals vs. plan.
• ADSC Franchise Finance – Own the finance-side measurement, calibration, and P&L tracking of the ADSC vendor penalty/incentive framework; partner with the ADSC business head and procurement on cost accountability and audit findings.
• Content Spend & ROI – Track content spend (SEO tools, editorial, creator/influencer costs) against AOP and measure ROI in terms of organic traffic uplift and lead-generation contribution.
• Systems & Automation – Represent Finance in system build-outs affecting the vertical (e.g., garage management / AGIS-type platforms), ensuring finance reconciliation, cost allocation logic, and reporting needs are designed in from the start.
• Business Partnering – Independently drive business reviews and financial discussions with business heads, coordinate with the CFO office, and represent the vertical in founder-level reviews when required.
• Growth & Scale-up Support – Build the financial framework and business cases needed to support the 5x scale-up plan over the next 12–18 months – new garage additions, channel investments, and unit economics at scale.
• Cross-functional Coordination – Work closely with Operations (garage ops, utilisation/throughput tracking), Product and Content teams to close the loop between operational KPIs and financial outcomes, and drive process/dashboard integration where duplication exists.
  

Ideal Candidate Profile

• 8 years of experience in Business Finance, FP&A, or Corporate Finance; CA or MBA (Finance) preferred.
• Has operated in a startup or high-growth environment through both a 0-to-1 build phase and a 1-to-100 scaling phase – comfortable building processes from scratch as well as operating at scale.
• Strong financial modelling and business case / ROI evaluation skills; able to translate operational detail into a P&L and investment decision.
• Demonstrated ability to independently manage senior stakeholders – business heads, CFO office, and founder-level reviews – without needing to be walked through every step.
• Hands-on orientation – willing and able to get into ground-level operational detail (vendor contracts, garage throughput, content spend line items) rather than operating only at a reporting layer.
• Prior exposure to auto, insurance, or ecosystem/marketplace businesses is a plus, but not mandatory.
• Strong bias for ownership and independent execution; comfortable with ambiguity and a fast-changing scale-up environment.