Head of Finance

Delhi NCR ·Financial Services / NBFC · 15–20 Years Experience

About the Company

We are a fast-growing, mission-driven fintech company operating at the intersection of technology and financial services. Our core focus is democratising access to formal credit for underserved micro, small, and medium enterprises (MSMEs) across India's last-mile retail and supply chain ecosystem.

Operating as an NBFC-registered entity and working through a co-lending model with leading banks and financial institutions, we have built one of India's most capital-efficient digital lending platforms. To date, we have disbursed nearly USD 3 billion in working capital credit to over 800,000 retailers and last-mile merchants, partnering with 75+ anchor corporates including Fortune 500 companies. We are backed by marquee global investors including Tiger Global, Google, and Sequoia Capital.

We are at an exciting inflection point — profitable, growing, and on a defined path to an IPO within the next 2–3 years. We are now building the leadership team that will take us through that transition and beyond.

The Opportunity

This is a founding leadership role. The Head of Finance will be a core member of the executive team, responsible for building and owning the full finance function as the company scales toward a public listing. This individual will work directly with the co-founders and the board, and will be the primary interface with investors, regulators, and future institutional stakeholders.

The role demands someone who combines rigorous financial expertise in regulated financial services with the agility and ownership mindset of a senior leader at a high-growth company. NBFC regulatory fluency is non-negotiable.

Key Responsibilities

Financial Leadership & Strategy

• Own and drive the company's overall financial strategy in alignment with business objectives and the IPO roadmap
• Partner with the CEO and co-founders on capital allocation, business model decisions, and strategic planning
• Build and lead a high-performing finance team across FP&A, accounting, treasury, compliance, and investor relations

IPO Readiness & Investor Relations

• Lead all aspects of IPO preparation — financial reporting standards (Ind AS), DRHP readiness, internal controls, and audit management
• Establish and manage relationships with investment banks, institutional investors, rating agencies, and regulators in preparation for the public listing
• Build investor relations infrastructure including reporting frameworks, disclosure policies, and stakeholder communications

Financial Planning & Analysis

• Own the annual operating plan, quarterly forecasting, and long-range financial modelling
• Deliver actionable insights to the leadership team on unit economics, portfolio performance, cost efficiency, and growth levers
• Drive board-level financial reporting and management information systems

NBFC Regulatory & Compliance

• Ensure full compliance with RBI regulations governing NBFCs — including prudential norms, capital adequacy, ALM, provisioning, and fair practices
• Manage relationships with RBI, SEBI (post-IPO), credit rating agencies, and co-lending partners
• Oversee statutory audits, internal audits, and all regulatory filings
• Manage ALM (Asset-Liability Management) and ensure robust liquidity risk frameworks are in place

Treasury & Capital Markets

• Lead fundraising strategy — equity, debt, and structured finance — in partnership with the co-founders
• Manage relationships with lenders, banks, and co-lending partners; negotiate and structure borrowing lines
• Oversee treasury operations, liquidity management, and interest rate risk

Accounting, Controls & Tax

• Ensure the integrity of financial statements under Ind AS and maintain audit-ready books at all times
• Design and implement scalable financial controls, processes, and systems appropriate for a listed NBFC
• Oversee direct and indirect tax compliance, transfer pricing, and tax planning

Candidate Profile

Experience & Background

• 15–20 years of overall experience, with meaningful exposure to financial services or NBFC / regulated lending environments — not all experience needs to be in financial services
• Demonstrated experience in IPO preparation, or having served as a senior finance leader through a public listing, is strongly preferred
• Prior experience in fintech, digital lending, or supply chain finance will be an advantage
• Track record of building and leading finance functions — not just managing them

Technical & Regulatory Knowledge

• Deep working knowledge of RBI guidelines governing NBFCs — ALM, capital adequacy, provisioning norms, and reporting requirements
• Strong command of Ind AS financial reporting, statutory audit management, and internal controls
• Fluent in capital markets, debt structuring, and co-lending frameworks
• Experience with SEBI listing obligations and disclosure requirements (or willingness to build this rapidly)

Leadership & Personal Attributes

• High ownership orientation — comfortable operating without full infrastructure and building from the ground up
• Strong executive presence; capable of representing the company to institutional investors, board members, and regulators
• Sharp analytical thinking with the ability to translate complex financial data into clear strategic recommendations
• Collaborative, low-ego, and effective at working across functions in a founder-led organisation

Qualifications

• Chartered Accountant (CA) — mandatory
• 15–20 years of post-qualification experience in financial services or fintech
• Based in or willing to relocate to Delhi NCR

This is a discreet search. The company name will be shared with shortlisted candidates upon mutual interest. All applications are treated in strict confidence.