Naresh Kumar
Business Finance
Bangalore
Overview
6
6
years of professional experience
1
1
Certification
Work History
Associate Vice President
Axio
BANGALORE
04.2025 - Current
- Executed monthly MIS reports, delivering accurate key metrics to senior management and investors.
- Tracked and managed liquidity and cash flow for both short-term and long-term needs.
- Supported financial due diligence during funding rounds and Amazon's acquisition of Axio.
- Managed ECL computation for portfolios totaling ₹2,100 Cr AUM.
- Developed models for ECL and revenue forecasting to enhance decision-making.
- Oversaw revenue recognition lifecycle, ensuring accuracy of LMS reports.
- Designed SQL-based data quality checks, improving LMS, MIS, and finance report reliability.
- Automated FLDG-paid case tracking, resulting in ₹30 Cr recoveries.
Manager / Senior Manager
Axio
Bangalore
04.2023 - 03.2024
- Reviewed and finalized monthly, quarterly, and annual MIS packs, detailing AUM, disbursals, revenue, credit costs, and profitability.
- Led budgeting processes, rolling forecasts, and variance analysis to identify key performance drivers and risks.
- Created product-specific credit cost models based on rolling forecasts, achieving approximately 95% accuracy against actuals.
- Developed unit economics by product and merchant, supporting strategic decision-making and profitability assessments.
- Enhanced LMS-GL reconciliation frameworks, increasing traceability and audit reliability.
- Facilitated statutory, internal, and lender audits, ensuring timely resolution of audit findings.
- Constructed Power BI dashboards for live tracking of KPIs including GMV, disbursals, AUM, and portfolio performance.
Assistant Manager - Finance
Axio
Bangalore
08.2019 - 03.2023
- Managed and analyzed financial data for MIS preparations, ensuring timely report submission to top management.
- Provided financial analysis and decision-making support for business planning and forecasting.
- Prepared monthly MIS, monitoring KPIs, highlighting trends, and analyzing variance causes.
- Collaborated with teams to deliver financial reports and analysis to investors and stakeholders.
- Worked with FP&A team on financial due diligence for potential acquisitions totaling 3,500 million.
- Supported ad-hoc projects across cross-functional teams, enhancing collaborative efforts.
Education
Semi Qualified CA -
Institute of Chartered Accountants of India
Bachelor of Commerce -
Sri Venkateswara University
TirupathiSkills
- Financial analysis and forecasting
- Data management and reporting
- SQL and Power BI proficiency
- Microsoft Excel and PowerPoint expertise
- Tally ERP and SAP knowledge
- Fintech and digital lending
- ECL and FLDG provisions
- BNPL strategies
Accomplishments
• Successful Management of LMS Reports: Led the successful management of loans end-to-end transaction reports, resulting in a single source of truth on data for all business planning, MIS preparations, and risk analysis, and improved accuracy in financial reporting.
• Development of Financial Dashboard: Created a financial dashboard that resulted in a 20% reduction in reporting time and increased visibility into financial performance.
• Data analysis, variance analysis, and experience in analyzing and interpreting complex financial data.
• Project Management: Successfully implemented the dashboard in Power BI, resulting in a 50% reduction in reporting time.
• Communication: Ability to communicate complex financial information to non-financial stakeholders, resulting in a 10% increase in stakeholder satisfaction.
• Development of Financial Dashboard: Created a financial dashboard that resulted in a 20% reduction in reporting time and increased visibility into financial performance.
• Data analysis, variance analysis, and experience in analyzing and interpreting complex financial data.
• Project Management: Successfully implemented the dashboard in Power BI, resulting in a 50% reduction in reporting time.
• Communication: Ability to communicate complex financial information to non-financial stakeholders, resulting in a 10% increase in stakeholder satisfaction.
Certification
Expected credit losses under Ind AS - Crisil.
Timeline
Associate Vice President
Axio
04.2025 - Current
Manager / Senior Manager
Axio
04.2023 - 03.2024
Assistant Manager - Finance
Axio
08.2019 - 03.2023
Semi Qualified CA -
Institute of Chartered Accountants of India
Bachelor of Commerce -
Sri Venkateswara University