KhataBook - Manager/Senior Manager - Business Finance - SaaS & Lending Verticals

Role: Manager/Senior Manager - Business Finance

Reporting to: Head of Finance

Location: Bengaluru
Role Overview
Lead business finance for both SaaS and Lending (LSP) verticals. Drive planning, performance tracking, unit economics and strategic decision support. Act as a finance partner to business teams to enable growth with strong control on revenue, cost, profitability and risk.
Key Responsibilities
1. Business Planning & Budgeting
- Lead half-yearly and annual budgeting in collaboration with business, product, and growth teams
- Build detailed financial models covering SaaS metrics (CAC, LTV, retention etc) and lending metrics (disbursement, yield, cost of capital, NPAs etc)
- Translate business plans into actionable financial targets
2. Performance Monitoring & Governance
- Track weekly business performance vs budgets across both verticals
- Highlight deviations with clear root-cause analysis and corrective actions
- Build dashboards and reporting frameworks for real-time visibility
3. Business Partnering & Insights
- Provide data-driven insights on growth, efficiency, and profitability
- Identify opportunities for improving conversion funnels, user monetization, and cross-sell
- Support experimentation (pricing, campaigns, credit strategies) with financial evaluation
4. Cost Optimization & Efficiency
- Drive cost optimization across technology, marketing, operations, and vendor spends
- Lead commercial negotiations with vendors and partners
- Identify and implement efficiency improvements using automation and AI tools
5. Lending Finance & Capital Management
- Work closely with lenders to negotiate and optimize cost of capital
- Evaluate lending unit economics including IRR, risk-adjusted returns, and cohort profitability
- Monitor disbursement trends, take rates, and lender performance
6. Risk & Portfolio Monitoring
- Track NPA trends across cohorts and identify early warning signals
- Partner with credit and collections teams to improve portfolio quality
- Analyze repayment behavior and recommend risk mitigation strategies
7. MIS & Reporting
- Ensure timely and accurate monthly MIS reporting
- Develop standardized and scalable reporting packs for leadership
- Maintain strong data integrity across systems
8. Benchmarking & Strategy
- Conduct industry benchmarking on CAC, lending yields, NPAs, opex ratios, etc.
- Support leadership with strategic inputs for expansion, partnerships, and new initiatives
Qualification & Experience
- CA / MBA (Finance) from a reputed institute
- 5-8 years of experience in lending or fintech
- Strong exposure to business finance, FP&A and lending metrics
Skills & Competencies
- Strong analytical and financial modelling skills
- Good understanding of digital business models (SaaS + lending ecosystem)
- Experience working with large datasets and building dashboards
- Familiarity with cloud infrastructure costs, digital marketing spends and analytics platforms
- Exposure to leveraging AI/automation for productivity and decision-making
- Strong stakeholder management and communication skills
- High ownership and ability to work in a fast-paced startup environment