Job Purpose: Jaro Fincap Private Limited is hiring a combined KYC & V-KYC Analyst to join our Digital Loan Operations team in Mumbai. In this comprehensive role, you will manage end-to-end customer identity verification for education-loan applications. This includes both digital document validation and conducting live Video-based Customer Identification Process (V-CIP) sessions in strict accordance with RBI guidelines and company policies.

Key Responsibilities:

Video Verification (V-CIP) & Live Checks

- Conduct live customer video-verification sessions through the companys approved V-CIP platform.
- Confirm customer presence, evaluate audio-visual quality, and execute prescribed liveness and anti-spoofing controls.
- Capture and validate required live photographs, recordings, timestamps, and geolocation tags.
- Ensure explicit customer consent and complete all prescribed steps before marking a session complete.

Document Validation & Customer Due Diligence

- Verify identity and address documents, PAN details, and other KYC records using CKYC, DigiLocker, and permitted digital sources.
- Validate document authenticity, completeness, and consistency against the loan application.
- Follow customer due diligence (CDD) and enhanced due diligence (EDD) procedures where applicable.

Fraud Detection & Exception Handling

- Cross-match customer declarations with application info and identity records to identify mismatches.
- Detect impersonation indicators, document tampering, suspicious behavior, and potential identity fraud.
- Review automated verification results and promptly escalate failed, inconclusive, or high-risk cases/sessions to the authorized supervisor.





Operations & Coordination

- Coordinate directly with customers via approved channels to obtain missing documents, clear verification flags, or re-initiate pending sessions.
- Maintain accurate session records, verification statuses, exception remarks, and audit trails in the LOS/KYC system.
- Partner with underwriting and loan operations teams to resolve KYC-related application holds.
- Protect customer data by following strict information-security, secure-recording, and access-control requirements.

Required Qualifications & Skills:

- Education: Graduate in Commerce, Finance, Business Administration, or a related discipline.
- Experience: 12 years of hands-on experience in KYC, Video KYC (V-CIP), document verification, or digital customer onboarding.
- Industry Preference: Prior experience in an NBFC, Bank, Fintech, or digital lending platform is highly preferred.
- Technical Skills: Familiarity with V-CIP workflows, PAN/CKYC/DigiLocker verification, CRM, MS Excel, and Loan Origination Systems (LOS).
- Soft Skills: Solid attention to detail, sharp observational skills, clear and professional communication, and the ability to strictly adhere to SOPs.

Role-Specific Control Requirements: KYC and V-CIP verification must strictly follow applicable RBI-prescribed procedures (including consent, identity checks, and secure storage). Unresolved discrepancies or suspected fraud must be escalated immediately rather than bypassed to meet processing targets.

About Jaro Fincap Private Limited: Jaro Fincap Private Limited is an NBFC dedicated to delivering seamless digital lending and specialized education-financing solutions.

📌 KYC & V KYC Analyst | Digital Onboarding & V CIP (Mumbai)
🏢 Jaro Education
📍 Mumbai