Chief Financial Officer – Transformation — Consumer-Finance Book

The mandate

The next planning cycle has brought into focus finance transformation following inconsistent performance visibility within a institutionally backed diversified financial-services platform. The immediate arena is the consumer-finance book during margin compression. For mandate 003, the successful executive inherits decisions that have been deferred, competing stakeholder expectations and a need to establish facts before committing further capital.

The Chief Financial Officer – Transformation operating perimeter covers approximately ₹4,450 crore in assets under oversight, with activity spanning several consumer-finance book customer, product and delivery clusters rather than a single asset. The Chief Financial Officer – Transformation Financial Services remit carries direct influence over roughly 275 colleagues and third-party capacity.

The group board and the relevant risk and people committees want a Chief Financial Officer – Transformation who can convert ambiguity into a short list of explicit choices for the consumer-finance book. The Chief Financial Officer – Transformation Financial Services seat must resolve margin compression, while preserving the underlying strengths of the consumer-finance book. For mandate 003, value will come through sharper allocation, stronger leaders and an operating cadence that exposes variance early.

The Chief Financial Officer – Transformation’s first year on the consumer-finance book is expected to end with a clean close, decision-quality economics and released working capital. In mandate 003, authority covers resources and leadership appointments; material trade-offs go directly to the board sponsor.

Why this seat is open

This is an urgent replacement for the Chief Financial Officer – Transformation — Consumer-Finance Book seat following an accelerated leadership transition. Interim accountability is in place for the consumer-finance book, but the board wants a permanent appointment within 6–8 weeks because margin compression cannot remain under split ownership. The predecessor’s outcome is being handled neutrally and professionally. The external search remains confidential until the preferred candidate and transition plan are agreed.

What you will own

• Set the Chief Financial Officer – Transformation value-creation thesis for the consumer-finance book, translate it into no more than five enterprise priorities and stop work that does not support them.
• Carry stewardship of approximately ₹4,450 crore in assets under oversight, including allocation, risk acceptance and board forecasts.
• Lead the Chief Financial Officer – Transformation Financial Services organisation of about 275 employees and partners, appointing a team with clear decision rights and credible succession for every critical seat.
• Resolve the consumer-finance book economics and execution constraints created by margin compression, with Chief Financial Officer – Transformation-approved owners, dated milestones and transparent escalation thresholds.
• Establish one Chief Financial Officer – Transformation operating review across commercial, customer, financial, people, technology and risk outcomes for the consumer-finance book; remove reconciliations that obscure accountability.
• Have signed or directly owned board financial statements, liquidity decisions and investment cases at the stated scale in mandate 003.
• Build the Chief Financial Officer – Transformation’s three-year succession and capability plan for the consumer-finance book, reducing dependence on individual executives and improving mobility across the wider Financial Services organisation.

The first 12 months

• Days 1–90: Validate the consumer-finance book baseline, meet the 30 stakeholders most consequential to finance transformation following inconsistent performance visibility, assess the leadership team, stabilise immediate delivery risks and agree a board-owned scorecard with explicit decision gates.
• Months 4–9: Make the principal Chief Financial Officer – Transformation portfolio and organisation choices for the consumer-finance book, install the new operating cadence, fill critical leadership gaps and deliver the first measurable release of cash, capacity or customer value.
• Months 10–12: Demonstrate a repeatable consumer-finance book trend against a clean close, decision-quality economics and released working capital, lock the following year’s capital and talent plan, evidence control sustainability and present a credible three-year value case with downside actions.

What the board will measure

• Delivery of the Chief Financial Officer – Transformation’s agreed first-year consumer-finance book value case within a 10% tolerance, with variance explained before rather than after the relevant quarter closes.
• A Chief Financial Officer – Transformation forecast that remains decision-useful across three consecutive quarters and reconciles the consumer-finance book’s operating, cash, customer and people assumptions.
• Closure of the Chief Financial Officer – Transformation mandate’s highest-priority consumer-finance book risk and execution issues by their board-approved dates, with independent evidence that fixes are sustained.
• Retention of at least 90% of critical consumer-finance book talent and ready-now successors for at least 70% of the Chief Financial Officer – Transformation’s direct reports.
• A quantified Chief Financial Officer – Transformation-owned improvement in the consumer-finance book operating constraint behind margin compression, supported by a clean baseline and named data owner.
• Clear stakeholder confidence in mandate 003: no unresolved high-severity escalation older than 30 days and no material surprise withheld from its agreed governance forum.

The person

You are currently a CFO, Deputy CFO or Group Financial Controller in a institutionally backed Financial Services or adjacent enterprise. In relation to the consumer-finance book, your Chief Financial Officer – Transformation track record includes a transition where the original plan was no longer sufficient; you can explain your choices, evidence and numerical impact. Candidates from banking, insurance, payments, wealth or regulated fintech will be considered where the operating model, customer stakes and governance intensity match this Chief Financial Officer – Transformation brief.

As a Chief Financial Officer – Transformation candidate, you bring 22–28 years of progressive Financial Services or adjacent-sector experience, consistent with the 22-28 experience band. At minimum, you have carried a P&L, book, budget or accountable portfolio of ₹2,600 crore and led an organisation of at least 200 people.

For mandate 003, the board wants two transitions: a difficult consumer-finance book portfolio choice and a leadership-system change during margin compression. As the prospective Chief Financial Officer – Transformation for this consumer-finance book, you must challenge optimistic cases and still create followership. References for mandate 003 must distinguish your contribution from the institution around you.

The Chief Financial Officer – Transformation role in Financial Services is based in Bengaluru; relocation is expected, although a structured weekly commute may be considered during the first quarter.

Non-negotiables

• Current or recent accountability at the level of CFO, Deputy CFO or Group Financial Controller, with direct exposure to a board, investment committee or equivalent Financial Services governance forum.
• Proven Chief Financial Officer – Transformation ownership of at least ₹2,600 crore and leadership of no fewer than 200 employees in a comparable consumer-finance book context.
• One completed Financial Services or adjacent-sector example of finance transformation following inconsistent performance visibility with outcomes sustained for at least two reporting periods after the initial intervention.
• Sector credibility from banking, insurance, payments, wealth or regulated fintech; experience that is purely functional and lacks Chief Financial Officer – Transformation-level consumer-finance book consequences will not meet the bar.
• Willingness to meet the Bengaluru location expectation, complete conflicts and background diligence, and protect the confidentiality of mandate 003.

Compensation and terms

The anticipated Chief Financial Officer – Transformation package is ₹2.2–3.0 crore fixed + performance variable, calibrated to the final consumer-finance book scope and the candidate’s current mix. Any long-term participation for mandate 003 follows standard vesting and performance conditions. The Chief Financial Officer – Transformation appointment in Bengaluru, centred on the consumer-finance book, offers regular exposure to the group board and the relevant risk and people committees. A notice period of up to 6 months can be accommodated for the selected executive in mandate 003.

Confidentiality

This search is being conducted without naming the client for mandate 003. Identifying information will follow only when both sides elect to proceed under confidentiality; nothing in the published mandate should be treated as a clue to ownership or brand for mandate 003.