## About the Role

SaveIN is seeking a qualified Chartered Accountant to support both finance operations and lender/NBFC partner management within its digital lending business. The role is split roughly 65% finance and 35% lender/NBFC management, with ownership across close, reporting, settlements, budgeting, compliance, and commercial support.

This position is intended for someone who understands lending P&L dynamics and has worked directly with Banks and NBFCs. It offers regular exposure to the founders and CFO, and the scope is designed to grow into end-to-end ownership of the finance and lender management function.

## Key Responsibilities

### Finance
– Own monthly, quarterly, and annual close processes, including schedules, provisions, accruals, and books hygiene across entities.
– Prepare financial statements under Ind AS / applicable GAAP and maintain supporting working papers.
– Strengthen internal controls and process documentation across revenue, collections, and payouts.
– Review accounting treatment for lending revenue streams, including subvention, processing fees, interest income, and commissions.

### Settlements, Reconciliations & Invoicing
– Own end-to-end reconciliations across lenders, payment gateways, merchants, and the internal LMS for disbursals, collections, refunds, and cancellations.
– Raise and track lender and merchant invoices, ensuring timely settlement and clean ageing.

### MIS, Budgeting & Unit Economics
– Prepare monthly MIS and management dashboards covering portfolio, revenue, cost of funds, and opex.
– Own the annual budget and rolling forecast, track actuals against plan, and explain variances.
– Build and maintain unit economics and product-level P&L models across different categories.

### Compliance, Audit & Taxation
– Manage GST, TDS, advance tax, and other statutory filings with external consultants.
– Act as the primary point of contact for statutory, internal, and lender audits.
– Track RBI and other regulatory reporting obligations relevant to an LSP / digital lending setup.
– Maintain the compliance calendar and ensure deadlines are met.

### Lender & NBFC Management
– Serve as the internal SPOC for lender-facing commercial and financial matters, including limits, payouts, FLDG utilisation, and SLA tracking.
– Build working relationships with lender finance, credit, and alliance teams.
– Prepare and present periodic lender review decks and drive follow-ups through closure.

### New Partnerships & Onboarding
– Support leadership in identifying, approaching, and evaluating new Banks and NBFCs.
– Work on commercial structuring, including pricing, IRR, subvention, FLDG, and co-lending / DA constructs, and assess the economics before commitment.
– Own the data room and financial diligence responses during lender onboarding.
– Track onboarding and integration milestones across lender, tech, legal, and finance teams through go-live.

## Required Skills

– Qualified Chartered Accountant.
– 3–4 years of relevant post-qualification experience.
– Experience in a fintech, NBFC, bank, or digital lending business.
– Strong knowledge of financial reporting, reconciliation, MIS, and statutory compliance.
– Direct experience dealing with Banks and NBFCs.
– Advanced Excel and financial modelling skills.
– Strong ownership and follow-through.

## Preferred Skills

– Big 4 or reputed firm articleship, combined with industry experience in a lending business.
– Understanding of co-lending, FLDG, direct assignment, STPL, or embedded finance structures.
– Familiarity with RBI Digital Lending Directions and the LSP operating model.
– Exposure to ECL / provisioning, cost of funds workings, and portfolio-level analytics.
– Existing working relationships with Banks or NBFCs.

## Cloud Platforms & Technologies

– Internal LMS
– Payment gateways
– Excel
– Data room

## Why You Might Be Interested

This role combines core finance ownership with direct lender relationship management in a digital lending business. It is a fit for a CA who wants to work on close, reconciliations, MIS, compliance, pricing structures, and partner onboarding rather than finance alone. The role also offers direct exposure to the founders and CFO, along with regular interaction with Banks and NBFCs. For the right person, it can grow into full ownership of the finance and lender management function.