Business Intelligence Unit (BIU), Operations (Regulatory Reporting Focus)

Department: Operations Excellence / Regulatory Reporting

Location: Santacruz West / Andheri East, Mumbai

Role Purpose The Business Intelligence Unit (BIU) is responsible for managing, governing, and reporting critical business, regulatory, and operational data across the organization. The role will primarily focus on ensuring accurate, timely, and compliant reporting to Credit Information Companies (CICs), Reserve Bank of India (RBI), government authorities, trustees, auditors, banking partners, and other regulatory agencies applicable to the NBFC sector.

The incumbent will drive data quality, reporting governance, portfolio analytics, regulatory compliance reporting, reconciliation frameworks, and reporting automation while ensuring adherence to RBI guidelines, CIC reporting standards, and statutory requirements.

Key Responsibilities

1. Regulatory & Statutory Reporting

- Manage end-to-end submission of regulatory and compliance reports to RBI and other applicable regulatory authorities.
- Oversee periodic reporting to all Credit Information Companies (CIBIL, Experian, Equifax and CRIF High Mark).
- Ensure timely and accurate submission of borrower-level, facility-level, repayment, overdue, write-off, and settlement data.
- Prepare and validate regulatory returns, statutory disclosures, and data submissions required under RBI regulations applicable to NBFCs.
- Liaise with compliance, risk, finance, audit, and technology teams to ensure reporting obligations are met.
- Monitor regulatory changes and assess their impact on reporting requirements and data architecture.

2. Bureau Reporting & Data Governance

- Own CIC reporting data quality, reconciliation, exception management, and error resolution.
- Establish data validation controls before bureau submissions.
- Investigate and resolve bureau rejection cases, data mismatches, and customer disputes.
- Perform periodic reconciliation between LMS, Core Systems, Accounting Systems, Bureau Files, and Regulatory Reports.




- Maintain audit trails and documentation for all reporting activities.
- Support bureau audits, internal audits, statutory audits, and RBI inspections.

3. Business Intelligence & Portfolio Analytics

- Develop MIS dashboards and portfolio monitoring reports for management.
- Analyze portfolio performance, delinquency trends, collections efficiency, write-offs, recoveries, and exposure concentration.
- Provide insights on operational, credit, and portfolio performance metrics.
- Build automated reporting frameworks to improve accuracy and reduce manual intervention.
- Support business teams with ad-hoc analytics and management reporting.

4. Reporting Automation & Process Improvement

- Identify opportunities to automate regulatory and management reporting processes.
- Develop standardized reporting templates and reporting controls.
- Implement maker-checker controls and exception monitoring mechanisms.
- Drive process improvements for data extraction, validation, transformation, and reporting workflows.
- Collaborate with Product and Technology teams for reporting enhancements and system integrations.

5. Data Integrity & Compliance Monitoring

- Define and implement data governance standards across systems.
- Ensure consistency between operational, financial, and regulatory datasets.
- Conduct periodic data quality reviews and corrective action monitoring.
- Establish reporting SOPs, process notes, and governance frameworks.
- Support regulatory compliance initiatives and risk mitigation activities.

Key Regulatory Reporting Areas The candidate should have hands-on experience in one or more of the following:

- CIC Reporting (CIBIL, Experian, Equifax, CRIF High Mark)
- RBI Regulatory Returns




- NBFC Compliance Reporting
- CKYC Reporting & Data Validation
- FIU-IND / AML Related Reporting
- Statutory & Audit Data Submission
- Trustee and Lender Reporting
- Securitization / Assignment Portfolio Reporting
- Co-lending & Partnership Reporting
- Government Agency and Industry Reporting Requirements

Key Performance Indicators (KPIs)

- Timeliness of Regulatory Submissions
- Bureau Reporting Accuracy %
- Regulatory Compliance Adherence
- Reconciliation Exception Closure Rate
- Bureau Rejection/Error Rate
- Data Quality Score
- Audit Observations Closure
- Reporting Turnaround Time
- Automation Coverage %
- Number of Regulatory Breaches (Target: Zero)

Required Qualifications

Education

- Graduate/Postgraduate in Finance, Commerce, Statistics, Business Administration, Economics, Data Analytics, or related disciplines.
- Additional certifications in Compliance, Risk Management, Data Analytics, SQL, Power BI, or Regulatory Reporting will be preferred.

Experience

- 4-8 years of experience in NBFC, Bank, Fintech, Housing Finance Company, or Lending Institution.
- Strong hands-on experience in:
- RBI Reporting
- CIC/Bureau Reporting
- Regulatory Compliance Reporting
- Operational MIS & Data Analytics
- Data Reconciliation & Data Governance
- Portfolio Reporting & Loan Operations

Technical Skills

- Advanced Excel
- SQL
- Power BI / Tableau
- MIS Automation
- Data Validation & Reconciliation
- NBFC Lending Systems (LMS)
- Regulatory Reporting Frameworks
- Data Quality Management

Preferred Candidate Profile

- Strong understanding of RBI regulations applicable to NBFCs.
- Experience managing CIC reporting and bureau dispute resolution.
- Excellent analytical and problem-solving capabilities.
- Robust stakeholder management across Operations, Risk, Finance, Compliance, Audit, and Technology teams.
- Ability to interpret regulatory requirements and translate them into reporting frameworks.
- Experience handling audits, inspections, and regulatory reviews.

📌 Business Intelligence Specialist (Mumbai)
🏢 CapitalXB
📍 Mumbai