Manager Business Planning & P&L Manager

Ujjivan Small Finance Bank · India

ROLE PURPOSE & OBJECTIVE:

• Build business planning, budgeting and profitability management framework for the MSME business by anchoring annual operating plans, monthly outlooks, revenue tracking, cost controls and performance governance.
• Own P&L visibility across products, segments, regions and channels, ensuring timely identification of revenue opportunities, margin movements, cost pressures, credit-cost trends and profitability improvement levers.
• Partner with Business, Finance, Risk, Credit, Operations, Analytics and Product teams to translate plans into actionable targets, dashboards, performance reviews and corrective interventions.
• Support leadership decision-making through sharp financial analysis, scenario modelling, variance analysis, productivity tracking and structured business review notes.
• Own branch-level and regional-level profitability monitoring by tracking revenue, costs, credit costs, contribution margins and risk-adjusted returns; identify profitability improvement opportunities, support performance governance and drive actionable interventions to enhance business performance.
• Own MSME business planning, budgeting, forecasting and P&L tracking cadence in partnership with Finance and Business teams.
• Track revenue, NII, fee income, opex, cost of funds, credit cost, profitability and contribution margin against agreed targets.
• Develop product-wise, region-wise, channel-wise and segment-wise profitability views for business reviews and strategic decisions.
• Monitor disbursement, AUM, yield, spread, approval rate, TAT, conversion, productivity, portfolio quality and collection-related financial impact.
• Build financial models for new products, pricing changes, channel expansion, campaigns, pilots and policy changes.
• Support management reviews with concise dashboards, commentary, insights and action trackers.
• Work with business, regional and product teams to translate financial plans into executable targets and performance scorecards.
• Support leadership discussions with clear articulation of business drivers, profitability levers, risks and opportunities.
• Maintain structured governance for plan versus actuals, revenue bridge, cost bridge, profitability bridge, forecast changes and action closures.

Educational Qualifications:

• CA qualified or MBA Finance. Additional qualification in Business Analytics, Financial Modelling, Risk Management or Banking is preferred.

Experience:

• 5 to 8 years of experience in Banking / NBFC / Financial Services, preferably in business planning, financial planning & analysis, P&L management, business finance, MIS, product finance, retail assets / MSME lending analytics, pricing or strategy roles.