About Us
Yubi (https://www.go-yubi.com/) stands for ubiquitous. But Yubi will also stand for transparency, collaboration, and the power of possibility. From being a disruptor in India’s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products.
Yubi is the place to unleash potential. Freedom, not fear. Avenues, not roadblocks. Opportunity, not obstacles!
Founded in 2020 by CEO, Gaurav Kumar, Yubi's technology infrastructure, credit marketplace, risk evaluation, and collections platforms facilitate every stage of the flow of money from lenders to borrowers and back to lenders. The company is backed by esteemed investors like Peak XV, Lightspeed, Lightrock, TVS Capital, B Capital Group, Dragoneer Investment Group, and Insight Partners, among others.
With a mission to deepen the debt market and democratize capital flow, Yubi is transforming the financial landscape, fostering inclusivity, and building a transparent and responsible ecosystem for all.
- Collaborate with the business and credit teams to provide financial insights that inform growth, profitability, and risk monitoring across wholesale, retail, or MSME lending products.
- Lead financial forecasting, collections and disbursal reporting, budgeting, and detailed variance analysis with direct linkage to AUM/loan book performance and NIM (Net Interest Margin) targets.
- Prepare portfolio trend dashboards, track NPA (Non-Performing Assets) metrics, and deliver insights on product/channel performance.
- Support pricing decisions, cost of funds monitoring, and profitability analysis for lending operations or new financial products.
- Build financial models for new loan offerings, asset securitization deals, or debt capital markets initiatives.
- Monitor OPEX, collections efficiency, and product-wise contribution; provide recommendations to optimize revenue and cost efficiency.
- Supervise finance operations including accounting for loans, provisioning, interest accruals, and fund flows.
- Ensure regulatory compliance with RBI guidelines, IND AS, and relevant local financial regulations; coordinate with statutory, internal, and RBI auditors.
- Oversee monthly/quarterly financial closing activities, including reconciliation of AUM, loan books, NPA/NPL calculations, cost allocations, and statutory reporting (such as ALM, capital adequacy, CRAR, etc.).
- Strengthen internal controls on lending, borrowing, and treasury operations.
- Lead implementation or enhancement of NBFC-specific ERP/finance systems
- Prepare accurate and timely MIS, board decks, and investor reports in line with NBFC standards.
Requirements
- CA/CMA/MBA (Finance) or equivalent with 5–8 years’ experience in business finance, FP&A, or controllership, specifically in NBFCs or financial services organizations.
- Strong understanding of NBFC operations including lending cycles, RBI and IFRS/IND AS regulatory frameworks, and NPA management.
- Proficient in financial analysis, reporting, risk management, and stakeholder alignment within the BFSI sector.
- Advanced Excel and financial modelling skills; familiarity with ERP/finance software preferred.
- Ability to work independently in a dynamic, regulated, and growth-focused environment.
- Strong analytical, communication, and team management skills.
Skills Required
- CA, CMA, MBA in Finance, or equivalent qualification
- 5-8 years of experience in business finance, FP&A, or controllership
- Experience specifically in NBFCs or financial services organizations
- Strong understanding of NBFC operations, including lending cycles, RBI regulations, IFRS/IND AS frameworks, and NPA management
- Proficiency in financial analysis, reporting, risk management, and stakeholder alignment within the BFSI sector
- Advanced Excel and financial modeling skills
- Familiarity with ERP or finance software
- Ability to work independently in a dynamic, regulated, growth-focused environment
- Strong analytical, communication, and team management skills
What We Do
Yubi is the world's first possibility platform powering the discovery, investment, fulfilment of credit. We are re-defining global debt markets by freeing the flow of finance between borrowers, lenders, and investors. Yubi stands for ubiquitous, being present wherever our customers need us. From being a disruptor in India’s debt market to marching towards global corporate markets, we will unlock greatness together. We are on a mission to deepen and power the $120 Trillion global enterprise debt market which would unlock a GDP multiplier and thus, create massive economic value. The Yubi product suite is leading the empowerment of small, medium, and large enterprises on one side, and growing a healthy loan book for the larger Banking ecosystem on the other. As a debt platform for enterprises, lenders and investors, we offer the most comprehensive bouquet of debt products. Our suite of product offerings ensures that as a participant in the debt market - you find just what you are looking for! We believe that access to prudent finance is the right of all global citizens and that is what drives all of us here at Yubi. The future of finance starts here, propelled by technology, transparency, and mutual trust.
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