Senior Finance Business Partner - Lending

We are looking for a Finance Business Partner - Lending to own commercial finance for inDrive's lending business across partner-funded and own-funded products. You will work alongside the Senior Head of Lending to own budgeting, forecasting, performance tracking, and strategic finance partnership. This role requires translating loan performance data into commercial insights, building driver-based forecasting models, and challenging business assumptions on origination targets and portfolio quality.

You will be the commercial finance voice for Lending - ensuring the P&L accurately reflects business economics, understanding lending strategy deeply enough to identify performance drivers, and partnering with financial controllers to validate that major expense lines like ECL provisions are commercially sound.

Requirements

, P&L, and cash flow Scenario modeling: quantify impact of pricing changes (interest rates, tenor), approval rate adjustments, marketing spend allocation, and partner mix shifts on portfolio profitability Performance Tracking & Variance Analysis Own weekly and monthly lending performance dashboards: origination volumes, loan sizes, approval rates, disbursement rates, default rates, net interest margin by partner and market Monthly plan-fact variance analysis: explain every material variance in origination volume, portfolio quality, and revenue performance with root cause analysis and commercial recommendations Deep-dive variance analysis when origination is significantly over or underperforming vs budget Track partner-funded vs own-funded lending performance separately with clear unit economics comparison - which model is more profitable at what scale? Build and maintain loan portfolio analytics: cohort behavior, delinquency trends, roll rates - translate these into early warning flags for business leadership P&L Ownership & Financial Governance Own the Lending P&L narrative: prepare monthly and quarterly performance summaries for the Commercial Lending Lead and senior leadership - what's working, what's not, why, and what to do about it Work closely with financial reporting and financial controllers to ensure the Money P&L is accurate and reflects true business economics ECL provision oversight: partner with risk team and controllers to validate that ECL provision posted to the P&L makes commercial sense - review default rate assumptions, recovery rate assumptions, and macroeconomic overlays against observed portfolio performance.