Financial Planning and Analysis Lead

Amartha is a leading fintech company in Indonesia dedicated to empowering micro-businesses through financial inclusion. By connecting underserved women in rural areas with investors through peer-to-peer lending, Amartha is driving impactful change and fostering economic growth. Our mission is to create equal opportunities for all, leveraging technology and innovation to make a meaningful difference in the lives of our users.

About The Role

This role is looking for a Financial Planning & Analysis Lead who will be responsible for driving financial clarity and strategic decision-making across the organization. You will play a key role in supporting Amartha’s growth by leading forecasting, budgeting, and financial modeling processes that align with our mission to enable inclusive prosperity through technology and innovation in fintech. This role will be highly cross-functional, providing insights and actionable recommendations to senior leaders across business units including lending, funding, payments, and operations.

Job Descriptions:

• Involve on Budgeting ,Rolling  Forecast, and Projection
• Develop financial models, scenario analysis, and portfolio analysis to support strategic decisions and investment/funding evaluations.
• Analyze and give insight of key business metrics mainly for Topline and Revenue related to maximize revenue and profitability and assist the business team with portfolio and risk management.
• Provide monthly performance reviews, and business insights for leadership and executive teams
• Partner with business, marketing, product, and operations teams to analyze and improve financial performance across products.
• Build and maintain financial dashboards, ensuring accuracy and timely access to insights.
• Support financial due diligence, investor reporting, and strategic planning initiatives.
• Continuously enhance FP&A processes through automation, tools, and best practices.
• Ensure compliance with internal controls and alignment with audit, accounting, and reporting standards.

• Bachelor’s degree in Finance, Accounting, Economics, or a related field; MBA or CPA/CFA is a plus.
• Minimum 5–7 years of experience in FP&A / Corporate Finance, financial modeling, or business finance, preferably in fintech/banking, startups, or fast-paced environments.
• Advanced Excel and financial modeling skills, with strong knowledge of P&L, balance sheet, and cash flow.
• Strong analytical and quantitative skills with attention to detail.
• Proven ability to synthesize financial data into strategic insights and recommendations.
• Excellent communication and stakeholder management skills.
• Comfortable working cross-functionally and under tight deadlines.

Preferred Skills

• Experience with financial planning tools (e.g., Adaptive Insights, Anaplan, Workday, or Power BI).
• Understanding of marketplace or fintech business models (lending, payments, funding).
• Familiarity with ESG or impact finance frameworks.
• Strong business acumen and interest in financial inclusion and digital innovation.
• Ability to handle ambiguity and prioritize in a scaling organization.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.