Manager Business Planning And Analysis - RBG - Finance And Planning

To manage the entire gamut of Financial Planning & Analytical activities relating to all the RBG segments and products through effective budgeting and forecasting, accurate, timely & insightful management reporting, objective analysis of financial viability for all new product launches, campaigns and proposals through the appropriate process.

• Deliver the Annual segment and product Financial Plan including the 3 year rolling strategic plan by interacting with the segment heads and through a process of iteration and challenge, derive the annual growth targets for balance sheet and revenues by segment, review and revise the segment and product cost allocation drivers and thereby have Net profit budgets for each segment which is then presented to the CEO along with meaningful analyses
• Accountable for the relevant daily / weekly / monthly management reporting along with insights thereon to track progress against the financial plans and highlighting risks and opportunities through bringing out nuances from the reported numbers
• Responsible for the financial viability analysis of all new product launches, campaigns, proposals put forward the RBG team and enable providing the right recommendations to the business heads on these proposals
• Drive projects and ad-hoc requirements mandated by HCA and HRBG on a case to case basis (Examples: New management reporting system implementation, Facilitate presentations to CEO / senior management, Reporting automation, providing assistance in due diligence projects etc.)providing assistance in due diligence projects, providing assistance in due diligence projects etc.
• Monthly financial pack with Balance sheet P&L by product and segment with variance analysis, issues and highlights
• Detailed segment financial packs with leading indicators and insights of segment financials on portfolio penetration, yield and spread analyses for each product of the segment and other qualitative issues
• Detailed Product Profitability Reports along with leading indicators of product performance (new booking rates, portfolio yields, FTP trends) along with insights on performance.
• Condensed monthly financial pack containing performance summaries of all segments and products in a succinct form
• 3 year strategic plan by Product and Segment
• Detailed Annual budget plan drawn up by product and by segment containing Balance sheet, Revenues, expenses and Net Profit for each product and each segment
• Updated Full Year Forecast for each product and segment based on Year to Date performance and other factors for the rest of the year
• Objective recommendations based on financial analysis of new product proposals, campaigns and initiatives
• All other ad-hoc analyses as required on a case to case basis (e.g. Analysis of retail performance vs competition, analysis of vintage profitability of a product)
• Qualified Chartered Accountant with 10-15 years of post qualification experience in a similar environment
• Sound Analytical skills - Adept in analysis of financial and other discrete data on Product Profitability, Customer Profitability etc. Ability to identify the appropriate Key Performance Indicators to highlight opportunities & risks to the appropriate audience.
• Sound knowledge of the drivers of the payments business (cards issuing, acquiring & Debit cards business) is essential
• Strong system and process skills - a sound working knowledge & experience in core banking applications, reporting & analysis packages, financial reporting systems with keen understanding of the underlying accounting and operational processes
• Excellent presentation skills
• Capable of understanding requirements & communicating in a clear and concise fashion with various senior business group executives & other stakeholders across the bank for various issues.
• Ability to work under strict deadlines
• Capable of managing a team 3-5 individuals and interacting with peers and seniors across the organization for BAU deliverables, issue resolution, query handling etc.
  
  

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