Sr.Analyst/ Analyst

Unigold Finance Limited; Mumbai; On-site; INR 1,000,000 - 1,800,000; Full time

Job summary

Unigold Finance Limited is seeking a result-driven finance professional to oversee the loan book, portfolio management, and partnerships with co-lending and BC entities in Mumbai. The role emphasizes data-driven dashboards and robust risk assessment.

You will drive financial evaluations, due diligence, and regulatory reporting while collaborating with product teams to automate processes and improve margins.

Qualifications

• Education: B.Com, MBA Finance, CA Inter (cleared/appearing).
• Proficiency in Tally, ERP / LMS Tools, PPT, AI Tools, Power BI and MS Excel is mandatory.
• Strong analytical skills, integrity, and a willingness to learn in a fast-paced environment.
• Data Analysis: Maintain accurate records and generate reports using Advanced Excel.

Responsibilities

• End-to-end oversight of the loan book across direct sourcing, co-lending, and BC partnerships.
• Build dashboards to track performance metrics (NPA %, PAR, collection efficiency).
• Reconcile loans across bank statements, LMS, and accounting systems.
• Lead financial evaluations and monitor fintech partners with FLDG arrangements.
• Track FLDG coverage, defaults, and recoveries.
• Manage co-lending and BC partnerships, ensuring financial diligence, cash flow alignment, and MIS integration.
• Conduct financial and risk analysis of potential NBFC/fintech partners.
• Review promoter background, financial health, audits, and compliance.
• Prepare partnership recommendation reports.
• Prepare timely financial statements in line with SEBI and RBI norms.
• Oversee statutory and internal audits, and manage RBI inspections.
• Handle tax planning, GST compliance, and regulatory filings.
• Collaborate with product teams to automate reconciliation, reporting, and finance processes.
• Integrate dashboards into LMS for real-time visibility.
• Identify automation opportunities in reporting and monitoring.
• Prepare MIS reports, forecasts, and portfolio analyses for decision-making.
• Partner with leadership to improve margins, reduce defaults, and optimize lending.
• Evaluate ROI and financial performance of lending products and partnerships.

Skills

Analytical skills

Integrity

Learning agility

Data analysis with Excel

Education

B.Com

MBA Finance

CA Inter (cleared/appearing)

Tools

Tally

ERP / LMS Tools

Power BI

MS Excel

PPT

AI Tools

Job description

Role & responsibilities

Loan Book & Portfolio Management

• End-to-end oversight of the loan book across direct sourcing, co-lending, and BC partnerships.
• Build dashboards to track performance metrics (NPA %, PAR, collection efficiency).
• Reconcile loans across bank statements, LMS, and accounting systems.

FLDG & Partnership Management

• Lead financial evaluations and monitor fintech partners with FLDG arrangements.
• Track FLDG coverage, defaults, and recoveries.
• Manage co-lending and BC partnerships, ensuring financial diligence, cash flow alignment, and MIS integration.

Evaluation & Due Diligence

• Conduct financial and risk analysis of potential NBFC/fintech partners.
• Review promoter background, financial health, audits, and compliance.
• Prepare partnership recommendation reports.

Financial Reporting & Compliance

• Prepare timely financial statements in line with SEBI and RBI norms.
• Oversee statutory and internal audits, and manage RBI inspections.
• Handle tax planning, GST compliance, and regulatory filings.

Automation & Process Optimization

• Collaborate with product teams to automate reconciliation, reporting, and finance processes.
• Integrate dashboards into LMS for real-time visibility.
• Identify automation opportunities in reporting and monitoring.

Strategic Financial Planning

• Prepare MIS reports, forecasts, and portfolio analyses for decision-making.
• Partner with leadership to improve margins, reduce defaults, and optimize lending.
• Evaluate ROI and financial performance of lending products and partnerships.

Key Skills & Experience:

Requirements:

• Education: B.Com, MBA Finance, CA Inter (cleared/appearing).
• Technical Skills: Proficiency in Tally, ERP / LMS Tools, PPT, AI Tools, Power BI and MS Excel is mandatory.
• Traits: Strong analytical skills, integrity, and a willingness to learn in a fast-paced environment.
• Data Analysis: Maintain accurate records and generate reports using Advanced Excel (VLOOKUPs, Pivot Tables).