Nupur B.

About Nupur B.

I am a Chartered Accountant with experience in banking, working in roles close to planning, performance, and decision-making.Over the years, I have spent a lot of time helping teams make better sense of their numbers, so finance supports real business decisions, not just reporting. My work has covered FP & A, performance management, and finance transformation. Cost management has been part of this, but I see it mainly as a way to improve planning discipline, accountability, and focus.Currently, I head the Cost Management function at IDFC First Bank and work closely with the CFO on bank-wide finance initiatives. A big part of my role is strengthening how planning and performance are governed, helping teams plan more thoughtfully, use financial information better, and stay accountable to budgets and outcomes.I try to keep things practical. Clear information and simple processes mean less time fixing numbers and more time having meaningful conversations. That’s helped reduce manual effort and make finance easier to work with across the organisation.What I enjoy most is working with people who want finance to play a bigger role in the business. I believe strong FP & A is less about complex models and more about asking the right questions and supporting good judgement.Outside work, I value routines that help me stay balanced- yoga, reading, and mentoring early-career finance professionals.If you’d like to exchange views on FP & A leadership, performance management, or how finance supports better decision-making, feel free to connect. n••••••••@gmail.com

Experience

1. Head- Cost Management

   IDFC FIRST Bank

   Feb 2023 — Present · Mumbai, IN

   Leading the Cost Management Team to ensure the bank’s investments align with its strategic priorities and contribute to maintaining a healthy cost-to-income ratio. The role involves driving transformative changes in cost management practices to enhance efficiency and support organizational goals. The key achievements are as follows: Reduced YoY operating expense growth from 21.1% to 12.2%(FY’25) by driving strategic cost control, leveraging technology and operational efficiencies. Rolled out a Bank-wide Cost Management Strategy; embedded cost as a KRA and recalibrated cost drivers, targeting a cost-to-income drop from 73% to 65% by FY’27. Achieved triple-digit operating expense savings in FY’24 and FY’25 by optimizing the supply chain, streamlining processes, and leveraging digital enablement. Overhauled expense governance, reducing travel expense non-compliance by 13% and strengthening policy adherence. Created automated cost dashboards, freeing 20+ hours/month and enabling faster opportunity identification.

Education

• Senior Secondary School, Sector 4, Bhilai, Chattisgarh

  Bachelor's degree, Commerce

• The Institute of Chartered Accountants of India

  CA, Accounting

Skills

• Financial Reporting
• Business Development
• Credit Risk
• Mis
• Management Information Systems (Mis)
• Accounting
• Trade Finance
• Financial Planning
• Branch Banking
• Financial Analysis
• Core Banking
• Retail Banking
• Relationship Management
• Cost Variance Analysis
• Business Analysis
• Commercial Banking
• Banking
• Risk Management
• Team Management
• Corporate Finance
• Business Strategy