Sr. Accounts Manager

Key Responsibilities

1. Financial Accounting & Reporting

• Prepare and finalize standalone and consolidated financial statements in
  accordance with Ind-AS.
• Ensure accurate accounting of:
  o Expected Credit Loss (ECL)
  o Effective Interest Rate (EIR)
  o Amortized Cost
  o Co-Lending arrangements
  o Direct Assignment (DA) & Pass Through Certificate (PTC) transactions
  o Lease accounting
• Ensure consistency between books of accounts, regulatory returns, lender
  submissions, and published financial statements.
• Drive month-end and year-end financial closing activities within defined
  timelines.

2. RBI Regulatory Compliance

• Ensure compliance with RBI Scale Based Regulation (SBR) applicable to Middle
  Layer NBFCs.
• Prepare and file RBI returns including:
  o DNBS Returns
  o ALM Statements
  o Other prescribed regulatory reports
• Coordinate RBI inspections, supervisory reviews, and regulatory submissions.
• Track and close regulatory observations within stipulated timelines.

3. Audit, Governance & Internal Controls

• Lead statutory, internal, concurrent, ASM, and regulatory audits.
• Strengthen Internal Financial Controls (IFC).
• Design and monitor maker-checker controls and approval frameworks.
• Develop and periodically update finance SOPs in line with regulatory
  expectations.
• Ensure complete audit readiness and compliance documentation.

4. Banking Operations & Finance Operations

• Monitor daily fund flows, liquidity, bank balances, and branch cash positions.
• Manage banking relationships and operations including:
  o Payment processing
  o Collections
  o Escrow Accounts
  o Virtual Accounts
  o Bank reconciliations
• Ensure timely processing of:
  o Vendor payments
  o Statutory dues
  o Employee reimbursements
  o Lender obligations
• Manage end-to-end Accounts Payable operations including vendor onboarding,
  invoice verification, payment scheduling, ageing analysis, and reconciliations.
• Develop robust banking and payment SOPs.
• Coordinate with banks for operational support and issue resolution.

5. Budgeting, MIS & Business Finance

• Prepare annual budgets and rolling forecasts.
• Ensure monthly MIS is published by the 10th of every month.
• Perform variance analysis and financial performance reviews.
• Develop dashboards covering:
  o AUM
  o Disbursements
  o Asset Quality
  o Collection Efficiency
  o Yield
  o Profitability
• Partner with Business, Risk, Credit, and Operations teams to support strategic
  decision-making.

6. ERP, Automation & AI

• Drive optimization of Microsoft Business Central and Loan Management System
  (LMS).
• Automate:
  o Accounting entries
  o Bank reconciliations
  o Regulatory reporting
  o Lender reporting
  o MIS generation
• Implement workflow automation, ERP integrations, and RPA solutions.
• Leverage AI-powered tools for:
  o Financial reporting
  o Data analytics
  o Reconciliations
  o Exception reporting
  o Document review
  o Productivity enhancement
• Ensure source-to-GL reconciliation and strong data governance.
• Evaluate emerging finance technologies to improve scalability and operational
  efficiency.

7. Taxation & Listed Entity Compliance

• Coordinate direct and indirect tax compliances.
• Support tax assessments and auditor interactions.
• Assist in listed entity disclosures and Audit Committee reporting.
• Ensure timely submission of investor-facing financial information and regulatory
  disclosures.

Key Skills & Competencies

• Strong knowledge of Ind-AS, RBI Scale Based Regulations (SBR), ALM, ECL, and
  NBFC accounting.
• Expertise in financial reporting, accounting standards, and statutory
  compliance.
• Hands-on experience with Microsoft Business Central, ERP systems, and Loan
  Management Systems (LMS).
• Proven experience in finance transformation, ERP implementation, workflow
  automation, and AI-enabled finance solutions.
• Strong understanding of banking operations, Accounts Payable, treasury
  support, and payment controls.