Business Finance Professional

Job description

**About Us** Zaggle is a B2B2C SaaS FinTech company, digitizing spends to drive growth and unlock value through automated and innovative workflows. Zaggle is a market leader in the space of Spend Management and is one of the few profitable and listed (NSE: ZAGGLE) new age companies in India. We offer a unified software-cum-payments platform to corporates, for their employee expenses, benefits, and rewards as well as their vendor payments and channel incentives. We are form-factor agnostic and offer a variety of payment instruments including corporate credit cards, purchase cards, virtual cards, prepaid cards, wearables, etc. issued in partnership with leading banks like Kotak Mahindra Bank, ICICI Bank, Yes Bank, SBI Cards, and IndusInd Bank, among others. Our platform solutions are sector-agnostic, and our network of corporate customers covers the BFSI, Technology, Healthcare, Manufacturing, FMCG, Infrastructure and Automobile industries. Some of our well-known customers include TATA Steel, Persistent Systems, Toshiba, Inox, Pitney Bowes, Wockhardt, PCBL (RP –Sanjiv Goenka Group) and Greenply Industries, to name a few. Visit us at www.zaggle.in to know more about us! https://inc42.com/buzz/fintech-saas-startup-zaggle-makes-stock-market-debut-lists-at-inr-164-shareprice **About the Role** Zaggle Prepaid Ocean Services Limited is looking for a Business Finance professional to partner with the Program Fee business and drive financial planning, revenue analysis, margin tracking, commercial insights, and business performance management. The role will work closely with business, product, sales, operations, and accounting teams to improve revenue visibility, monitor fee economics, support decision-making, and ensure strong financial control over the Program Fee revenue stream. This role is suited for someone who is analytically strong, commercially aware, detail-oriented, and comfortable working in a fast-paced fintech/SaaS environment. **Key Responsibilities** - Own financial support for the Program Fee business, including revenue tracking, business performance review, and management reporting. - Monitor Program Fee revenue drivers across products, clients, card programs, and partner relationships. - Prepare daily dashboards, monthly, quarterly, and annual business finance reviews with insights on revenue, margins, variances, and growth trends. - Build and maintain financial models for pricing, revenue forecasting, profitability, and scenario analysis. - Partner with business teams to evaluate commercial proposals, client deals, fee structures, and profitability. - Track actuals vs budget vs forecast and explain key movements in revenue, cost, and margin. - Analyze program economics such as loading, interchange income, cashbacks / incentives, usage trends, take rates, and contribution margins. - Support annual operating plan, budgeting, and rolling forecasts for the Program Fee business. - Work with product, sales, and operations teams to identify opportunities for revenue improvement and better monetization. - Validate revenue recognition logic and data alignment in coordination with controllership and accounting teams. - Validate Cashbacks and Incentives alignment with contracts - Ensure Documentation while onboarding Banks and Customers - Develop MIS dashboards and business performance packs for senior management. - Identify risks and opportunities in the business and provide actionable recommendations. - Drive financial discipline around pricing governance, approval matrices, and commercial controls. - Support strategic initiatives such as new fee models, business expansion, client segmentation, and partner program evaluation. - Coordinate with audit, compliance, and internal finance teams wherever needed for data support and control reviews. **Key Deliverables** - Ensure follow-up and collection of Accounts Receivable. - Monthly Program Fee revenue MIS. - Budget vs actual and forecast variance analysis. - Client-wise / product-wise profitability analysis. - Pricing and commercial evaluation models. - Management review decks with actionable business insights. - Revenue assurance and financial control support for Program Fee streams. **Required Qualifications** - CA / CMA / MBA Finance / equivalent finance qualification. - 3-7 years of relevant experience in business finance, FP&A, commercial finance, or strategic finance. - Experience in fintech, payments, cards, banking, SaaS, or technology-led businesses preferred. **Required Skills** - Strong understanding of business finance, revenue analysis, and financial planning. - Good knowledge of P&L management, budgeting, forecasting, and variance analysis. - Ability to understand pricing models, fee-based revenue streams, and unit economics. - Advanced proficiency in Excel and strong comfort with financial modeling. - Experience with MIS, dashboards, and management reporting. - Working knowledge of ERP/finance systems and BI tools is an advantage. - Strong analytical, problem-solving, and stakeholder management skills. - Good communication skills with ability to present insights to business and finance leaders. - High attention to detail and control orientation. **Success Metrics** - Accuracy and timeliness of revenue reporting. - Quality of forecasts and business insights. - Improvement in profitability visibility across programs and clients. - Better pricing and commercial decision support. - Strong financial governance and variance control. - Support in driving growth and margin improvement in the Program Fee business. **Candidate Profile** The ideal candidate is: - Commercially sharp. - Hands-on with numbers. - Comfortable with ambiguity. - Able to convert data into business insight. - Strong at cross-functional partnering. - Proactive in identifying risks and opportunities. - Able to support the business teams.