Chartered Accountant

Muthoot Fincorp Ltd.; Thiruvananthapuram; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Muthoot Fincorp Ltd. is seeking a Chartered Accountant with 5+ years in NBFC/Lending Analytics to drive portfolio analytics, MIS reporting, forecasting and decision support.

You will own end-to-end financial analysis across Retail, MSME and Corporate portfolios, build robust models, and deliver standardized reports for leadership. The role focuses on pricing strategy, risk-return trade-offs, and performance tracking, while collaborating with Risk, Business and Treasury teams to enhance

Qualifications

• CA with 5+ years of experience in direct and indirect taxation.
• Prior experience in NBFC / Lending Analytics / BFSI domain is essential.
• Hands-on exposure to portfolio analytics, MIS reporting, and performance tracking.
• Experience working with large datasets and automation tools is highly desirable.

Responsibilities

• Conduct detailed financial and operational analysis across loan portfolios (Retail/MSME/Corporate as applicable).
• Analyze NBFC metrics such as Net Interest Margin (NIM), Yield, Cost of Funds, Credit Cost, IRR, ROA, ROE.
• Provide insights on disbursements, collections, delinquencies, and asset quality trends (PAR, NPA, write-offs).
• Evaluate product-level profitability and customer segment performance.
• Own and manage end-to-end MIS preparation for business units and senior management.
• Develop and automate periodic reports (daily/weekly/monthly) covering business volumes and sanctions.
• Design intuitive dashboards for leadership using visualization tools.
• Ensure accuracy, timeliness, and standardization of reporting across the organization.

Skills

Portfolio analytics

MIS reporting

Financial modeling

Forecasting

Data analytics

Stakeholder management

Education

CA (Chartered Accountant)

Job description

• Conduct detailed financial and operational analysis across loan portfolios (Retail/MSME/Corporate as applicable).
• Analyze key NBFC metrics such as Net Interest Margin (NIM), Yield, Cost of Funds, Credit Cost, IRR, ROA, ROE, and portfolio profitability.
• Provide insights on disbursements, collections, delinquencies, and asset quality trends (PAR, NPA, write-offs).
• Evaluate product-level profitability and customer segment performance.
• Own and manage end-to-end MIS preparation for business units and senior management.
• Develop and automate periodic reports (daily/weekly/monthly) covering:
• Business volumes (sanctions, disbursements)
• Design intuitive dashboards for leadership using visualization tools.
• Ensure accuracy, timeliness, and standardization of reporting across the organization.

3. Business Performance Monitoring

• Track actual performance versus budgets, forecasts, and business plans.
• Lead variance analysis and identify drivers impacting performance.
• Monitor branch/product/channel-wise performance and highlight corrective actions.
• Partner with business teams to improve productivity and efficiency metrics.

4. Analytical Support for Decision Making

• Provide decision support through scenario analysis, sensitivity modeling, and forecasting.
• Assist leadership in:
• Pricing strategy and yield optimization
• Cost management initiatives
• Credit policy evaluation and risk-return trade-offs
• Build advanced financial models to support strategic initiatives and growth plans.

5. Planning, Forecasting & Budgeting

• Support annual budgeting and periodic forecasting exercises.
• Develop rolling forecasts and long-term financial projections.
• Collaborate with cross-functional teams (Risk, Business, Treasury) for planning inputs.

6. Process Improvement & Automation

• Identify opportunities to automate MIS and reporting processes using analytics tools.
• Drive adoption of data integrity, governance, and standard reporting frameworks.
• Improve reporting efficiency through digitization and reduced manual intervention.

7. Regulatory & Compliance Support

• Ensure alignment with RBI/NBFC regulatory reporting requirements.
• Support financial disclosures and internal governance frameworks.
• Maintain audit-ready MIS and analytics documentation.
• Strong financial acumen with deep understanding of NBFC business models
• Expertise in financial modeling, forecasting, and performance analytics
• Knowledge of lending lifecycle, credit underwriting, and collections processes
• High attention to detail and data accuracy
• Ability to translate complex data into actionable business insights
• Strong stakeholder management and cross-functional collaboration skills
• Problem-solving mindset with a focus on continuous improvement

Preferred Candidate Profile

• Qualified Chartered Accountant (CA) with 5+ years of relevant experience in direct and indirect taxation
• Prior experience in NBFC / Lending Analytics / BFSI domain is essential
• Hands-on exposure to portfolio analytics, MIS reporting, and performance tracking
• Experience working with large datasets and automation tools is highly desirable