We are in the business of lending to people who don't qualify for a bank loan; as a result, the interest rate would be higher because the company takes the risk. Our company is an NBFC. NBFC is a non-banking financial institution or non-bank financial company is a financial institution that does not have a full banking license or is not supervised by a national or international banking regulatory agency.

Cash plays a very important role as we need cash for day to day and future lending. I check my company's cash management position. I spend half my day on tracking money and ensuring our company has money to do business. I start with previous day bank statements and understand the cash collection.

I prepare an information report which contains the expense recurred and revenue generated and monthly make the Profit and Loss statement. These reports are usually presented to people who head the operations in different divisions in the company. Sometimes you might be presenting these reports to Chief Financial Officer too. Another half of my day is spent on reporting, which is done predominantly for compliance purposes. Each regulator (Income Tax or Company Tax) has a different format for the same data. After we file the data with the regulator, the regulator might ask questions (based on the filing) for which we are answerable. We have half-yearly audits, and I spend time to work with external auditors.

In high school, I joined IIT coaching and then didn't want to pursue science. So I ended up choosing commerce. I didn't do an undergraduate degree and studied to become a Chartered Accountant (CA). It was a risky move as there was no backup if I didn't clear the CA exams. I got support from home (my dad was a CA) and school (organized what to do next after high school program). Once you clear CA, your Undergraduate course does not matter.

When I was looking for job NBFCs were gaining a lot of momentum, they were in the newspaper for either the good or bad reasons. I started reading a lot about NBFCs. I felt my current role provided an opportunity to be more hands-on and learn multiple aspects of finance.

Half of the work I do is computer skills. 90% of the job is done in excel (spreadsheet software). You need to know how the whole system works, and you may not use what you learnt in school. Reading newspaper about the industry helps a lot. There are signals or signs in the news which helps you in anticipating things. Presentation skills are really important. There are a lot of online courses to learn about excel.