FP&A / Business Finance Manager

Location: Whitefield, Bangalore ( 5 Days WFO )

Brief Description of Company: Niyo was founded in 2015 with the vision of changing the way Indians approach their finances - no matter where they work, what they earn, or how tech-savvy they are.

Niyo Has Grown From a Startup To a Robust Player In Digital Fin-space Catering To Over a Million Customers. Our Flagship Offerings Include

• Niyo Forex* (Kanji Forex), as a key subsidiary, focuses on offering competitive world currency rates, doorstep services, and international remittance under the RBI AD II License. We are committed to crafting solutions that improve customer experience through products like the Niyo Global Card and NiyoX.
• Niyo Global Card which allows users to spend abroad without any hidden markup fees on single card to facilitate international payments and travel-related value-added services via Niyo App.

This role is designed for a strategic analytical thinker who will drive the Annual Operating Plan (AOP), budgeting, and financial performance management within our fast-growing Forex and Fintech ecosystem. You will serve as a critical bridge between finance and business operations, translating complex financial data into actionable insights that unlock growth and improve operational efficiency.

Key Responsibilities

AOP & Rolling Forecasts: Lead the preparation and execution of the Annual Operating Plan (AOP) for Category Business Units and strategic lines. Drive rolling forecast cycles by analyzing historical trends and strategic priorities.

• Performance Management: Monitor and analyze P&L performance, ensuring detailed breakdowns of revenue, cost, and margin performance across business lines and geographies.
• Business Partnering: Act as a financial partner to Vertical Heads and business leadership to identify financial levers for growth and profitability.
• Variance Analysis: Conduct rigorous variance analysis (plan vs. actuals), identifying root causes for discrepancies and providing actionable improvement recommendations.
• MIS & Reporting: Design and manage monthly MIS reports and executive dashboards that highlight abnormal trends and support quick decision-making for top management.
• Cost Optimization: Evaluate pricing strategies, partner incentives, and operational burn to drive cost reduction initiatives and efficiency improvements.
• Strategic Support: Support leadership with ad-hoc analysis, business case preparation, and due diligence for new growth proposals.
• Audit & Compliance: Prepare financial schedules for auditors and ensure accurate month- end closing, accruals, and reconciliation of operational expenses.

Qualification

Education : CA (Qualified)