We're looking for an Associate Manager - Business Finance to join our Lending team in Bengaluru, India. In this role, you will play a key part in driving financial planning, analysis, and reporting initiatives across the organization. The ideal candidate will combine strong analytical capabilities with a detail-oriented approach, ensuring accuracy and compliance in all financial processes while supporting strategic business decisions. * Preparing and owning the Annual Operating Plan (AOP), month plans, and outlooks. * Conduct detailed variance analysis against plan and business targets to highlight the gaps and key drivers. * Partner with Marketing and Growth teams to evaluate ROI, track channel-wise Customer Acquisition Cost (CAC), and optimize acquisition budgets  * Driving business profitability by collaborating with cross-functional teams to improve unit economics and optimize costs. * Identify key levers for business growth and partner with business stakeholders to drive implementation. * Oversee pricing structures while enforcing strict data governance to ensure rate-card compliance and margin protection * Partnering with the Financial Controllership team to ensure accurate financial representation of the business  * 2-5 years of professional experience in business finance, financial planning and analysis (FP&A), or corporate accounting * Advanced skills in Microsoft Excel and data analysis * Excellent analytical and problem-solving abilities with strong attention to detail * Strong written and verbal communication skills with the ability to present information clearly to diverse audiences * Preferred: Experience in process automation initiatives 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.