Manager - FLDG/DLG (Billing, Risk & Reconciliation)

Paramount Hr; Mumbai; On-site; INR 900,000 - 1,800,000; Full time

Job summary

Paramount Hr in Mumbai is seeking a Billing & Reconciliation Analyst to own partner billing, robust FLDG management, and end-to-end reconciliation across banks, partners, and payment gateways.

The role focuses on resolving complex data discrepancies, building robust billing models to prevent leakage, and coordinating with stakeholders to ensure accurate settlements and compliance with lending/fintech terms.

Qualifications

• 4-7 years of experience handling transaction-heavy reconciliations and financial settlements.
• Advanced proficiency in Excel or Google Sheets for large data handling and automated models.
• Knowledge of lending/fintech ecosystems and billing structures (FLDG, co-lending).

Responsibilities

• Own partner-wise and co-lender-wise billing, monthly calculations and settlements.
• Compute and track FLDG/DLG based on loan performance.
• Handle billing queries, disputes and partner coordination.
• Prepare and maintain billing models, FLDG frameworks and commercial structures.
• Support onboarding of new partners with billing models.
• Track fixed deposits, bank guarantees and collateral coverage.
• Assist in commercial inputs for legal agreements.
• Manage FLDG adjustments between stakeholders.
• Adapt billing per changes in terms or hurdle rates.

Skills

Excel/Sheets

Reconciliation

Financial settlements

Billing models

Data handling

Stakeholder management

LMS knowledge

Communication

Job description

Job Summary

Ownership and managing end-to-end partner billing, complex fund flows, and support risk-mitigation frameworks like FLDG.

The primary challenges will be resolving complex data discrepancies and ensuring reconciliation accuracy between internal systems, banks, partners, payment gateways and eliminating financial leakage by building robust billing models and FLDG.

Key Responsibilities

• Manage partner-wise and co-lender-wise billing (monthly calculations & settlements)
• Compute and track FLDG/DLG based on loan performance
• Handle billing queries, disputes, and partner coordination
• Prepare and maintain billing models, FLDG frameworks, and commercial structures
• Support new partner onboarding with billing models
• Track FDs / Bank Guarantees / collateral coverage
• Assist in commercial inputs for legal agreements
• Manage FLDG adjustments between stakeholders
• Adapt billing as per changes in commercial terms / hurdle rates

Reconciliation of Flow

• Perform daily / weekly / monthly reconciliation of disbursements, collections, inflows & outflows
• Reconcile pay-in / payout and fund movements
• Track POS and validate with system & partner data
• Identify and resolve discrepancies with internal teams and partners
• Ensure end-to-end fund reconciliation and audit readiness
• Coordinate with tech/ops for system gaps, missing entries, and reports
• Maintain paid vs payable accuracy across partners and co-lenders

Core Competencies

• Strong understanding of lending / NBFC / fintech ecosystem
• Knowledge of FLDG, co-lending and billing structures
• Prior experience in reconciliation processes
• Proficiency in Excel / Google Sheets (advanced formulas, data handling, automation)
• Ability to work with large datasets and financial reports
• Strong analytical and problem-solving skills
• Attention to detail and high accuracy in numbers
• Experience in partner coordination and stakeholder management
• Basic understanding of legal/commercial agreements in lending
• Familiarity with loan management systems (LMS) / fintech platforms
• Good communication and follow-up skills

Must-Have Requirements

(Non-negotiables for the role)

• 4 to 7 years of experience handling transaction-heavy reconciliations and financial settlements (e.g., from fintech, e-commerce, aggregators, or digital banking).
• Comfortable working on complex financial structures, math logic and tracking collaterals
• Highly proficient in Excel or Google Sheets to cleanly manage large data and build automated billing models.
• Quick at understanding how money moves across multi-party business models. Someone sharp enough to grasp legal/commercial terms and translate them into numbers.