Founded in 2003, GAIN Credit is a tech-forward, inclusive, and responsible business using world-class innovative technology and data science to provide endless gaining opportunities for customers, employees, and merchants alike. At GAIN Credit, our mission is to empower lives, which is about providing solutions that meet the credit needs of society in an affordable and responsible manner, ensuring that we always treat customers fairly, helping our customers when they need it most by providing access to credit and giving them realistic timelines to re-pay.
Our flagship brands – Lending Stream & Drafty – enjoy 4.4 & 4.3 ratings on TrustPilot respectively (UK’s leading customer review website). Drafty – our pioneering credit-line product – is a first-of-its-kind, no-fee credit line and has been awarded ‘Innovation of the Year’ for 2017 and 2018 by the Consumer Credit Awards. In India, we are among the top 55 Great places to work. People at GAIN Credit – ‘GAINers’ as we call them – are our assets. We believe happy people lead to happy customers. And this is why a great work culture is a super high priority at GAIN Credit. We make that happen through living our company values in every interaction we have with each other. In fact, we believe the only way to ‘gain’ at GAIN Credit is through living our company values.
Some of our awards:
· Ranked among India Great places to work (mid-sized segment) in 2025-26
· Best Short-term loan provider at Consumer Credit Awards - 2025
To know more about us:
Website: www.gaincredit.com
LinkedIn:
https://www.linkedin.com/company/gaincredit/mycompany/
Is this the place for you?
As a GAINer, you will get to focus on your personal and professional gains, experience an award-winning workplace culture, access to perks, maintain work-life balance, and contribute to the community in meaningful ways. As a GAINer, integrity will guide everything you do, with a service mindset that puts others first. You will foster curiosity to drive learning, focus on continuous improvement, and take accountability for your actions to deliver exceptional outcomes.
We strongly believe in:
At GAIN Credit, we believe that our fantastic teams help build the best products that enable us to understand and attract more
customers. Therefore, we completely support and welcome diversity across thoughts, people, and actions. We care about our employees, and their well-being and have many on-going activities to boost their physical, mental, and financial wellbeing. We encourage people from diverse backgrounds, culture, age, gender, orientation, and abilities to apply for all our openings and offer reasonable support to achieve their professional goals.
Our core strength:
We are at the core, an analytics company, founded by people who, about 30 years ago, were pioneers in applying predictive modelling to solve business problems. As we morphed into a financial services company from being an analytics
consultant, we continued to train our scientists to apply these techniques, as well as cutting-edge advances, and become a transformative leader in credit underwriting in the UK.
Work Location – Chennai, India
Role type – Full-time
Office presence – contracted for up to 5 days per week in office
Role Purpose
The FP&A Manager is responsible for the accuracy and quality of everything the FP&A team produces. You'll review and collate the
work of analysts, check that the numbers are right, and synthesize them into clear, meaningful insight. You'll directly own the areas that don't warrant a dedicated analyst and act as steward of the planning and forecast models the team relies on.
Key Responsibilities
Provide first-line review and challenge of all analyst output before it goes further
Check that figures reconcile, tie across outputs, and are consistent with source systems
Interrogate the reasoning behind an analyst's conclusion, not only the arithmetic
Ensure assumptions and definitions are explicit and consistently applied
Escalate issues, data problems, and emerging risks promptly
Consolidate analyst output into a coherent view of performance across products and entities
Turn analysis into insight: articulate what has moved, why, what it means, and what should be considered
Prepare the monthly performance and forecast position for the Head of FP&A with commentary that stands alone
Identify the two or three things that matter each month and give them prominence
Own operating expenditure and headcount analysis, including budget versus actual reporting
Own cashflow forecasting, funding-related analysis, and balance sheet forecasting
Run the budget and rolling forecast cycle to timetable
Act as owner of planning and forecast models, maintaining documentation, version control, and audit trail
Lead and develop FP&A analysts, setting clear outcomes, priorities, and deadlines
Identify and implement automation opportunities across recurring FP&A work
Skills and Capabilities
FPAC, FMVA (or equivalent)
Demonstrable experience reviewing and challenging the work of others, with accountability for its accuracy
Ability to synthesize detailed analysis into a clear, concise view for a senior audience
Experience owning a budget and forecast cycle, or a substantial part of one
Strong financial modelling skills, sufficient to interrogate and maintain models rather than only operate them
Demonstrable experience using AI to improve processes and output
Methodical approach with high standards of accuracy
Sound judgment about what matters; confidence to leave out what does not
An instinct for when a number looks wrong, with persistence to find out why
Ability to write clearly and concisely, explaining a movement without restating the workings
Comfortable being challenged on the team's work and your own
Ability to develop others rather than absorbing work yourself
Clear communicator across time zones; confident raising an issue early
Desirable: experience in lending, consumer credit, or financial services; line management of analysts; Python, SQL, or planning tooling beyond Excel; Power BI, Tableau, or comparable visualization tools; NetSuite or comparable ERP; support of external audit and complex information requests
What Success Looks Like
You understand the planning and forecast models, the product and entity P&Ls, and the source systems the numbers come from. You've met the accounting and MI teams and agreed how actuals, accruals, and portfolio data reach FP&A.
You own operating expenditure and headcount analysis with budget versus actual reporting and commentary. You've established the review routine — nothing leaves FP&A without a first-line check and a stated view attached. You've run one full monthly cycle, reconciled and synthesized before it reaches the Head of FP&A.
You run the rolling forecast cycle to timetable with a light-touch review from the Head of FP&A. The planning and forecast models are documented, version controlled, and under a clear audit trail. You have an agreed automation plan for recurring FP&A work with the first change delivered. You own cashflow forecasting, funding-related analysis, and balance sheet forecasting with an independent view of forecast accuracy.