Hiring – Techno-Functional Consultant – Credit Bureau & Lending Location: Thane, MumbaiExperience: 5+ YearsRequired Skills: Credit Bureau Management, CIBIL/CRIF Integration, Lending Domain Knowledge, API & SQL Expertise, RBI/CICRA Compliance.

SummaryWe 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 • Good understanding of CICRA 2005, RBI credit information reporting requirements and digital lending ecosystem • Solid 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 & Lending (Thane)
🏢 Bravient Advisors Private
📍 Thane