Key Financial Ratios Every Finance Executive Should Track Monthly

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Key Financial Ratios Every Finance Executive Should Track Monthly Vinu: Manu, finance executives track dozens of numbers. Which financial ratios truly matter on a monthly basis? Manu: Monthly tracking should focus on control and early warning, Vinu. You don’t need every ratio—only those that reflect...

Cash Flow vs Profit: What Finance Professionals Must Never Confuse

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Cash Flow vs Profit: What Finance Professionals Must Never Confuse Vinu: Manu, many businesses show profits but still face cash shortages. Why does this happen? Manu: Because profit and cash flow are not the same, Vinu. Profit is an accounting outcome, while cash flow reflects actual money movement....

How Finance Executives Should Read Financial Statements for Decision-Making

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How Finance Executives Should Read Financial Statements for Decision-Making Vinu: Manu, finance executives look at financial statements all the time. But what’s the right way to read them for decision-making, not just reporting? Manu: That’s the key difference, Vinu. For decision-making, financial s...

Transition from Relationship Manager to Credit Analyst: Skills Bankers Must Build

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Transition from Relationship Manager to Credit Analyst: Skills Bankers Must Build Vinu: Manu, many relationship managers want to move into credit roles. Why is this transition challenging? Manu: Because relationship management focuses on growth and client comfort, while credit analysis focuses on ri...

Lending to MSMEs: Risk, Reward, and Reality on the Ground

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Lending to MSMEs: Risk, Reward, and Reality on the Ground Vinu: Manu, MSME lending is often called the backbone of banking, but also the riskiest segment. Why is that? Manu: Because MSMEs offer high yield and growth, but risks are concentrated. Cash flows are volatile, records are informal, and busi...