Sr. Manager - Financial Planning & Analysis

We are seeking a highly skilled and motivated Senior Manager of Financial Planning and Analysis to join our team in Bangalore to support our client in the UK. This is a key role supporting strategic financial planning, forecasting, and performance analysis across their lending portfolios and structured funding vehicles. You will work closely with the CFO and senior leadership of the client organization to provide analytical insights, maintain robust Excel-based financial models, and support/act as the finance business partner. You will assist in modelling out funding strategies and the impact thereof. This is a unique opportunity to be part of a high-growth, innovative lender where you will gain exposure to securitization structures, warehouse funding, and capital markets.

The core responsibilities for the job include the following:

Financial Planning and Forecasting:

• Develop and maintain detailed financial forecasts and business models across multiple lending products (BTL, bridging, etc. ).
• Lead the annual budget process and rolling forecasts, ensuring alignment with strategic objectives.
• Prepare financial projections for internal and external stakeholders, including investors and funding partners.

Performance Analysis and Reporting:

• Analyze loan book performance, profitability by product, and portfolio KPIs.
• Provide monthly variance analysis, board reporting packs, and scenario modelling.
• Track and report on loan originations, redemptions, delinquencies, and NIM/NPM, and monitor lender covenants.

Funding and Securitization Support:

• Provide financial modelling and analytics support for warehouse funding lines, securitization vehicles, and SPVs.
• Liaise with treasury and capital markets teams to evaluate funding structures and funding costs.
• Support covenant monitoring, stress testing, and investor reporting requirements.

Business Partnering and Strategy:

• Act as a finance business partner to credit, risk, treasury, and operations teams.
• Contribute to new product development and strategic initiatives by providing financial insight and modelling.
• Evaluate financial implications of pricing, risk, and operational decisions.

Requirements:

• Qualified accountant (CA, ACA, ACCA, CIMA, or equivalent).
• Minimum 5+ years of relevant experience in FP& A, structured finance, lending, or related financial services.
• Prior experience in a lending environment (BTL, bridging, real estate finance, or mortgages).
• Exposure to warehouse funding lines, securitizations, and special purpose vehicles (SPVs).

Technical and Analytical Skills:

• Advanced Excel modelling skills (loan performance, cash flow waterfalls, stress scenarios, funding cost models).
• Strong understanding of lending products, credit risk metrics, and portfolio analytics.
• Comfortable handling large datasets and using BI tools (Power BI, Tableau, or similar desirable).

Personal Attributes:

• Commercially minded, with the ability to think strategically while being detail-oriented.
• Self-starter, comfortable working in a dynamic, fast-paced environment.
• Strong communication skillsable to convey complex financial topics clearly.
• High integrity, professionalism, and discretion with sensitive financial data.