Head of Finance

Company Overview

Credit Wise Capital (CWC), founded in 2019 and headquartered in Mumbai, is an RBI-registered Non-Banking Financial Company (NBFC) focused on technology-enabled consumer lending, specifically in two-wheeler and electric vehicle financing. The company serves customers across 10+ states through a technology-led dealer network of over 430 dealers, building a customer base of more than 2 lakh borrowers. CWC is dedicated to expanding access to credit in Tier-2 and Tier-3 markets, particularly targeting new-to-credit customers. The company has successfully scaled its Assets Under Management (AUM) from approximately ₹489 Crores in FY24 to ₹628 Crores in FY25 and around ₹722 Crores in FY26. Backed by institutional investors, CWC possesses access to various sources of debt capital, including bank borrowings, Non-Convertible Debentures (NCDs), and Commercial Paper.

Job Summary

The Head of Finance will be a critical member of the leadership team, responsible for shaping CWC's next phase of growth. This hands-on leadership role encompasses finance, treasury management, capital raising, asset-liability management (ALM), taxation, regulatory governance, investor management, and financial strategy. The ideal candidate will build the finance function to support the rapid scaling of the NBFC, ensuring robust financial controls, governance, and capital efficiency.

Responsibilities

• Treasury, Fundraising & ALM

  • Own the company’s overall treasury strategy and liquidity management.
  • Lead relationships with banks, financial institutions, debt investors, and funding partners.
  • Drive debt fundraising through bank borrowings, NCDs, Commercial Paper, and other financing avenues.
  • Evaluate opportunities around securitization, co-lending, and structured finance transactions.

• Finance & Controllership

  • Lead financial reporting, accounting, management information system (MIS), budgeting, and forecasting.
  • Ensure robust financial controls, governance, and audit processes.
  • Strengthen finance processes and systems as the organization scales.

• Taxation

  • Oversee compliance for direct and indirect taxes, ensuring timely filings and statutory requirements.
  • Manage tax audits, assessments, and interactions with tax authorities and advisors.

• Regulatory & Risk Governance

  • Ensure timely and accurate RBI and regulatory reporting.
  • Partner with Risk, Credit, Operations, and Business teams on financial matters.

• Investor & Board Management

  • Lead financial reporting and communication with investors and lenders.
  • Prepare updates to the Board and senior leadership on financial and business performance.

• Leadership

  • Build and lead a strong finance organization across controllership, financial planning & analysis (FP&A), treasury, taxation, and regulatory finance.
  • Develop a scalable finance operating model suited to a rapidly growing NBFC.

Qualifications

• Education: Chartered Accountant (CA) with 9 to 15 years of relevant experience.

• Experience:

  • Strong experience in NBFC, consumer finance, vehicle finance, fintech lending, or related financial services.
  • Familiarity with treasury, ALM, debt fundraising, and lender relationships.
  • Understanding of Ind AS 109, expected credit loss (ECL), and NBFC financial reporting.
  • Experience working with rating agencies, lenders, investors, and auditors.
  • Strong understanding of RBI regulatory requirements and financial governance.

• Skills:

  • Strong commercial orientation with the ability to tie finance to business growth and profitability.
  • Excellent stakeholder management and communication skills.

Preferred Skills

• Experience across bank borrowing, NCDs, Commercial Paper, securitization, and co-lending.

Experience

• A minimum of 9 to 15 years of relevant experience in the financial services sector, especially in roles related to finance and treasury management.

Environment

• The typical work setting is an office environment located in Mumbai. The role may require occasional travel to meet with stakeholders, investors, or financial institutions.

Salary

• Salary details are not specified.

Growth Opportunities

• Potential for career advancement to executive roles within the finance function or company leadership.

Benefits

• Additional benefits are not specified.