Senior Manager, Business Finance - Lending

About PhonePe Limited:

Headquartered in India, its flagship product, the PhonePe digital payments app, was launched in Aug 2016. As of April 2025, PhonePe has over 60 Crore (600 Million) registered users and a digital payments acceptance network spread across over 4 Crore (40+ million) merchants. PhonePe also processes over 33 Crore (330+ Million) transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore. 

PhonePe’s portfolio of businesses includes the distribution of financial products (Insurance, Lending, and Wealth) as well as new consumer tech businesses (Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem) in India, which are aligned with the company’s vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services.

Culture:

At PhonePe, we go the extra mile to make sure you can bring your best self to work, Everyday!. And that starts with creating the right environment for you. We empower people and trust them to do the right  thing. Here, you own your work from start to finish, right from day one. PhonePe-rs solve complex problems and execute quickly; often building frameworks from scratch. If you’re excited by the idea of building platforms that touch millions, ideating with some of  the best minds in the country and executing on your dreams with purpose and speed, join us!

Minimum Qualifications

• Chartered Accountant/ MBA with 7+ years of work experience
• Strong Proficiency in MS Excel and presentations
• Strong analytical and problem-solving skills
• Proactive, takes initiative, self-motivated, team player
• Strong stakeholder management and interpersonal skills
  
  

Preferred Qualifications

• Prior experience within the Consumer Tech, NBFC, Banking, or Fintech sectors is highly preferred.
• Extensive understanding of financial trends within the company and general market patterns, particularly in the credit space.
• Strong business acumen with an analytical approach and a deep understanding of general business development and operations in a tech-driven environment.
• Proven experience in commercial negotiations and partnerships.
  
  

Responsibilities

• Strategic Financial Planning & Analysis for Lending:
• Define the annual operating plan (AOP), outlook, and key metrics for the category.
• Develop and refine financial models to evaluate new lending products, partnerships, and initiatives, facilitating data-driven decision-making.
• Provide insightful financial reports and interpret financial information for the Lending leadership and other stakeholders, recommending further courses of action.
• Develop trends, forecasts, and projections for the Lending business growth, revenue, and overall financial health.
• Business Partnership & Performance Management:
• Act as a key finance business partner to the Lending category heads, co-owning the P&L and ensuring the operating and financial health of the vertical.
• Conduct regular reviews and evaluations of business performance, identifying growth opportunities, risks to the plan, cost optimization, and profitability enhancement within the category portfolio.
• Collaborate closely with cross-functional teams (Business, Credit Risk, Product, Engineering, Marketing, Operations) to discuss, agree upon, and drive strategic projects for the Lending business.
• Lead commercial negotiations and support partnership/alliance discussions relevant to the category.
• Review and provide financial inputs for agreements and contracts.
• Process Excellence & Team Leadership:
• Drive process improvement initiatives within the Business Finance function to enhance efficiency and effectiveness for the vertical.
• Ensure robust monthly planning, meticulous review processes, and timely closure of financial activities for the Lending business.
• Manage and mentor a team of finance professionals.

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

• Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance
• Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System
• Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program
• Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy
• Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment 
• Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy

Our inclusive culture promotes individual expression, creativity, innovation, and achievement and in turn helps us better understand and serve our customers. We see ourselves as a place for intellectual curiosity,  ideas and debates, where diverse perspectives lead to deeper understanding and better quality results. PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally; regardless of  gender, sexual preference, religion, race, color or disability. If you have a disability or special need that requires assistance or reasonable accommodation, during the application and hiring process, including support for the interview or onboarding process, please fill out this form.

Read more about PhonePe on our blog.

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