We are seeking a detail-oriented and analytical CIC Operations Executive to manage Credit Information Company (CIC) processes, including credit bureau verification, report analysis, customer data validation, dispute resolution, and MIS reporting. The ideal candidate will have experience working with credit bureau reports and possess strong analytical, operational, and data management skills.

Key Responsibilities

Credit Bureau Operations and Analysis

- Retrieve, extract, compile and validate customer data from the Loan Management System (LMS) and other approved sources for reporting to Credit Information Companies (CICs).
- Prepare and validate manual data wherever system-generated information is unavailable, ensuring accuracy, completeness, and adherence to prescribed reporting formats.
- Submit periodic and ad hoc CIC reports including Wilful Defaulter reporting within prescribed timelines, monitor acknowledgements and error reports, and ensure timely rectification and re-submission where required.
- Reconcile bureau submissions with internal records and coordinate with relevant stakeholders to resolve data discrepancies and reporting exceptions.
- Validate customer information against internal records and supporting documents
- Retrieve and analyze credit reports from CICs to verify customer credit history, repayment behaviour, outstanding liabilities, defaults, settlements, write-offs, and overdue accounts.
- Ensure bureau reporting and credit checks are completed accurately, in compliance with applicable regulatory requirements, internal policies, and defined turnaround times.
- Maintain appropriate records and ensure the confidentiality and security of customer credit information.




- Highlight high-risk observations and escalate cases requiring further investigation.

Customer Data Validation & Dispute Management

- Investigate bureau mismatches and data inconsistencies.
- Coordinate with lenders, business teams, and Credit Information Companies for dispute resolution and data correction.
- Track and close bureau-related queries within agreed timelines.

Compliance & Regulatory Adherence

- Ensure all CIC processes comply with regulatory requirements and internal policies.
- Maintain customer consent records and adhere to data privacy and confidentiality standards.
- Support internal audits and compliance reviews related to credit bureau operations.
- Ensure proper documentation and record management for all bureau-related activities.

MIS Reporting & Data Analysis

- Prepare daily, weekly, and monthly MIS reports related to bureau operations.
- Monitor operational metrics, turnaround times, pending cases, and productivity.
- Analyze trends and identify opportunities for process improvements.
- Generate dashboards and management reports using Excel and reporting tools.
- Ensure data accuracy, integrity, and timely reporting.

Required Qualifications

- Bachelor's degree in Commerce, Finance, Business Administration, Economics, or a related field.




- 2–5 years of experience in CIC Operations, Credit Bureau Operations, Credit Analysis, Banking, NBFC, or Asset Reconstruction.

Required Skills & Competencies

- Robust understanding of Credit Information Company (CIC) operations and credit bureau reports.
- Experience working with credit bureaus such as CIBIL, Experian, Equifax, or CRIF High Mark.
- Knowledge of credit report interpretation, DPD analysis, write-offs, settlements, and repayment behaviour.
- Understanding of banking, lending, and credit risk processes.
- Strong analytical and problem-solving skills.
- Excellent attention to detail and accuracy.
- Proficiency in Microsoft Excel (Pivot Tables, VLOOKUP/XLOOKUP, Power Query, MIS reporting).
- Solid communication and stakeholder management skills.
- Ability to handle confidential customer information with integrity.
- Valuable organizational and time management skills.

Preferred Skills

- Experience in Asset Reconstruction Companies (ARC), Banks, NBFCs, or Financial Institutions.
- Exposure to loan operations, credit underwriting support, or portfolio management.
- Knowledge of RBI guidelines relating to credit information reporting and data privacy.
- Experience with credit bureau portals and loan management systems.
- Familiarity with Power BI or other reporting and visualization tools will be an added advantage.

Pay: Up to ₹1,000,000.00 per year

Benefits:

- Flexible schedule
- Food provided
- Health insurance
- Leave encashment
- Paid sick time
- Paid time off
- Provident Fund

Application Question(s):

- What is your current CTC
- What is your Notice period

Work Location: In person

📌 Urgent Requirement for CIC Operations Executive (India)
🏢 CFM Group
📍 India