Description

Main Accountabilities

1. Business Accounting & Revenue Recognition

• Execute accounting for lending portfolios across retail and corporate businesses
• Ensure accurate revenue recognition, exempt income tracking, and technical write-offs
• Support product-level accounting across systems (FinnOne, Bancs, Credence, LAMS, etc.)

2. ECL, EIR & Asset Quality Support

• Support Expected Credit Loss (ECL) monthly provisioning workings
• Assist in Effective Interest Rate (EIR) computation and amortization
• Validate NPA classification, provisioning, and off-balance sheet exposures

3. System Reconciliation & Data Integrity

• Perform reconciliations across LMS (FinnOne/Bancs), SAP (ECC6/R3), and Hyperion
• Ensure accuracy in trial balance uploads and financial data flows
• Identify and resolve discrepancies across systems

4. Financial Reporting & MIS

• Prepare financial schedules for reporting packs for consolidation
• Support submission of financial data for group reporting (Tata Sons FFC packs)
• Assist in standalone and consolidated financial reporting

5. Regulatory Reporting (RBI / NHB)

• Prepare data and workings for regulatory submissions
• Improve automation and validation controls in regulatory reporting
• Ensure compliance with RBI / NHB reporting requirements

6. Audit and Compliance Support

• Facilitate statutory, internal, RBI, and IFC audits

• Provide reconciliations, data, and supporting documentation

• Resolve audit observations and maintain robust audit trails

7. Systems & UAT Management





• Support UAT for system enhancement and new product launches

• Monitor production issues and coordinate with IT teams
• Ensure integrity and smooth functioning of accounting systems

8. Process Automation & Improvement

• Identify automation opportunities in accounting and reporting processes
• Drive initiatives in reconciliation, DPD reporting and MIS automation
• Improve efficiency and reduce manual intervention

9. Data Governance & Master Management

• Support master data maintenance (e.g., UCIC, product mapping)
• Ensure consistency and accuracy of financial data across systems
• Strengthen data governance controls impacting financial reporting

Qualifications & Experience

• 1-2 years experience in Business Accounting / NBFC Finance
• Strong understanding of lending products and accounting flows
• Experience with systems like SAP, FinnOne, Bancs, Hyperion
• Knowledge of ECL / EIR / NPA basics and RBI reporting
• Solid analytical and reconciliation skills
• CA preferred

Competencies:

- Ownership
- Boundaryless Behaviour
- Cost Consciousness

Functional Competencies

- IND-AS 109
- Regulatory Reporting & RBI Compliance
- Financial Controls
- Asset Quality Analytics
- Financial Planning & Analysis
- Data Analytics / Automation

Key Decisions taken

• Validation of accounting entries and reconciliation outputs
• Identification and escalation of system/data discrepancies
• Prioritization of reporting and compliance timelines
• Resolution of accounting and reporting issues

📌 Manager - Business Accounting - Finance and Accounts - Mumbai - Lodha (I-Think Techno Campus) (Mumbai Suburban)
🏢 Tata Capital
📍 Mumbai Suburban