Hiring – Techno-Functional Consultant – Credit Bureau & Lending

Location:
Thane, Mumbai

Experience:
5+ Years Required

Skills:
Credit Bureau Management, CIBIL/CRIF Integration, Lending Domain Knowledge, API & SQL Expertise, RBI/CICRA Compliance. Summary We are looking for a Techno-Functional Consultant with hands-on experience in CIBIL, CRIF and other Credit Information Companies (CICs) to drive bureau integration, credit reporting requirements and regulatory compliance for a lending fintech. Responsibilities
• Own functional requirements for CKYC, CIBIL, CRIF, Experian, Equifax and other bureaus
• Understand and implement requirements under Credit Information Companies (Regulation) Act, 2005 (CICRA) and applicable RBI/CIC directions
• Define bureau enquiry, consent, data, reporting and correction requirements
• Work closely with Product, Engineering, QA, Risk, Compliance and Operations teams
• Translate regulatory/business requirements into BRDs, FRDs, API/data specifications and test scenarios
• Own credit bureau data mapping,



validation, reconciliation and reporting requirements
• Define requirements for bureau rejects, corrections, disputes and resubmissions
• Ensure accuracy, completeness and timeliness of credit reporting
• Support UAT, production rollout, issue resolution and ongoing regulatory changes
• Coordinate with bureau teams/vendors and internal stakeholders Requirements
• 5+ years in lending/fintech/credit bureau domain
• Strong hands-on knowledge of CIBIL / CRIF / Experian / Equifax
• Valuable understanding of CICRA 2005, RBI credit information reporting requirements and digital lending ecosystem
• Strong understanding of APIs, data mapping, databases/SQL and lending/LMS systems
• Excellent techno-functional documentation and stakeholder management skills
• Experience in credit bureau reporting, reconciliation and data-quality processes is highly preferred

📌 Techno-Functional Consultant – Credit Bureau (Thane)
🏢 Bravient Advisors Private
📍 Thane