Work Timings: IST 03.30 PM to 12.30 AM (Next Day) Monday through Friday Role Overview We are looking for a Senior SQL developer and BI Specialist to manage our data infrastructure, optimize reporting automation, and ensure smooth data migration processes. This is an Individual Contributor role which will focus on core SQL development. IMMEDIATE JOINERS WILL BE PREFERRED. This role is based in Pune, India. This is with our Indian subsidiary company Ezdaher India Private Limited. Ezdaher India Private Limited is a KPO based in Pune and provides credit underwriting, technology, marketing, human resources and other functional services to our parent company AVANA Companies, USA. Key Responsibilities - Develop, optimize, and maintain MSSQL databases to support business operations. - Design, build, and maintain cloud database solutions to ensure efficient data storage and retrieval. - Perform data migration between on-premise and cloud databases, ensuring data integrity and security. - Develop and optimize complex SQL queries, stored procedures, functions, and triggers for data analysis and reporting. - Implement reporting automation solutions using BI tools, SQL, and scripting techniques to enhance data-driven decision-making. - Work on data warehousing solutions to store and analyze structured and unstructured business data efficiently. - Ensure data quality, governance, and security by implementing best practices. - Collaborate with business stakeholders to understand data requirements and provide actionable insights. - Work independently under strict deadlines and manage multiple tasks efficiently. Required Skills & Qualifications - 10+ years of experience in SQL development, database management, and data analysis. - Expertise in MSSQL Server development, including query optimization and performance tuning. - Hands-on experience with cloud databases (AWS RDS, Azure SQL, Google Cloud SQL, etc.). - Strong knowledge of data migration strategies and tools. - Experience in designing and implementing automated reporting solutions using SQL and BI tools (Power BI, Tableau, etc.). - Solid understanding of ETL processes and data warehousing concepts. - Ability to analyze large datasets and provide meaningful insights. - Strong problem-solving skills, with attention to detail. - Excellent communication skills and ability to work independently under tight deadlines. Desired Functional and Behavioral Characteristics - Positive and professional attitude. - Self-motivated with a proactive approach to tasks. - Team player with a willingness to collaborate and support colleagues. - Strong commitment to accuracy and attention to detail. What we have to offer - Competitive salary and benefits package. - Work in a fast-growing financial services company with a dynamic work environment. - Opportunity to work on cutting-edge database and reporting automation solutions. - Career growth opportunities and professional development support. About Us AVANA Companies ( www.avanacompanies.com ) is a U.S. based group of credit and finance companies specializing in lending to specific niche industries that were highly knowledgeable in, such as hospitality, construction, and traditional Commercial Real Estate (CRE) because it enables us to provide the best possible service for our borrowers and minimize risk for our investors. We focus on helping small business owners and real estate developers across the USA by offering quick, adaptable, and dependable financing. Based in Glendale, Arizona, our financial services firm stands at the forefront of the industry, embracing innovation and fostering a culture of excellence. Founded in 2002, we have originated loans in excess of $6.5 Billion and managed $1 Billion assets for our investors. Why join us? Join a high-growth NBFC where youll shape core finance systems, drive regulatory compliance, and lead strategic financial initiatives from day one. Work directly with founders and leadership in a transparent, fast-paced environment. Gain exposure across treasury, lending operations, investor reporting, and IND-AS compliance. This is a high-impact role with clear growth into future leadership.
Role Overview As Operations Manager, you will play a pivotal role in building and scaling the companys core operations. This includes managing the full loan lifecycle, setting up systems and processes, and ensuring compliance with regulatory guidelines. We are seeking a hands-on, process-driven professional with deep expertise in lending operations and customer servicing. Key Responsibilities 1. Loan Operations Management Play a key role in the implementation and configuration of the Loan Origination System (LOS) and Loan Management System (LMS) Manage the entire loan life cycle end-to-end from application intake, document verification, KYC/C-KYC checks, underwriting coordination, disbursal, to post-disbursal servicing. Liaise with credit, legal, compliance, and technology teams to ensure smooth and compliant processing. Define and implement SOPs aligned with RBI guidelines and industry best practices. 2. Disbursement & Repayment Ensure timely, accurate loan disbursals via IMPS/NEFT/RTGS and integrated banking channels / payment gateways. Monitor and manage repayments through NACH, UPI, and digital platforms. Coordinate with the finance team for fund movement tracking and ledger entries. 3. Vendor & Partner Management Manage key vendor relationships, including LMS providers, KYC partners, collection agencies, and payment gateways. Define SLAs, track performance, and ensure accountability. 4. Process Improvement & MIS Reporting Identify opportunities to optimize TAT, accuracy, and cost-efficiency across operations. Develop and maintain MIS reports, operational dashboards, and trackers for leadership review. 5. Customer Service Handle backend support for customer queries, service requests, grievance redressal, and account statements. Implement SOPs for onboarding, servicing, and complaint resolution. Preferred Technical Skills Proficient in MS Excel for operations tracking and reconciliation. Familiarity with LOS, LMS, Payment gateways and basic API workflows will be an added advantage. Key Skills Process design and SOP creation Strong coordination with cross-functional teams and external partners Operational audit readiness and compliance adherence Excellent verbal and written communication Up-to-date knowledge of RBIs digital lending and data governance norms About Us We are a newly established, credit focused NBFC committed to enabling access to finance for MSMEs and underserved retail borrowers across India. Our mission is to build a modern, tech-enabled lending platform that delivers responsible credit at scale. Our parent AVANA Companies ( www.avanacompanies.com ) is a U.S. based group of credit and finance companies specializing in lending to specific niche industries that were highly knowledgeable in, such as hospitality, construction, and traditional Commercial Real Estate (CRE) because it enables us to provide the best possible service for our borrowers and minimize risk for our investors. We focus on helping small business owners and real estate developers across the USA by offering quick, adaptable, and dependable financing. Based in Glendale, Arizona, our financial services firm stands at the forefront of the industry, embracing innovation and fostering a culture of excellence. Founded in 2002, we have originated loans in excess of $6.5 Billion and managed $1 Billion assets for our investors. Why join us? Shape the compliance foundation of a purpose-driven credit NBFC. Work directly with founders and contribute to strategic decision-making. Exposure to legal, lending, and regulatory ecosystems. Be part of a governance-first culture built for long-term, sustainable growth.
Role Overview We are seeking a highly skilled and detail-oriented Finance & Accounts Manager with 710 years of experience in the BFSI sector. This is a pivotal role responsible for overseeing the financial reporting framework, compliance with IND-AS, operational finance, and internal controls. The ideal candidate will bring strong technical expertise, hands-on experience across core finance functions, and the ability to contribute strategically through budgeting, forecasting, and MIS reporting. This position offers the opportunity to work in a dynamic, fast-paced environment and engage with senior leadership and external stakeholders. Key Responsibilities 1. Finance & Accounts Operations Oversee month-end and year-end closing processes. Manage accounts payable and receivable operations. Handle cash receipts, general ledger, payroll, and utility payments. Manage treasury operations including cash flow forecasting and budgeting. Conduct revenue and expenditure variance analysis. Oversee capital and fixed asset reconciliations, tracking, and debt servicing. 2. Financial Reporting & Analysis Prepare and consolidate financial statements as per IND-AS. Conduct regular MIS and financial reporting for internal and external stakeholders. Analyze financial performance including yield, cost of borrowing, and Net Interest Margin (NIM). Support strategic business decisions with data-driven insights and portfolio-level analytics. 3. Regulatory & RBI-Specific Financial Compliance Ensure compliance with RBI Master Directions, liquidity norms (LCR/ALM), and CRAR requirements. Liaise with RBI, statutory auditors, and regulators for inspections and compliance queries. Ensure accurate and timely submission of financial disclosures as per IND-AS and RBI norms. 4. Systems, Controls & Compliance Participate in ERP implementations (Tally, Oracle, or SAP). Implement and monitor financial controls to mitigate risks and ensure compliance. Automate reconciliations, workflows, and reporting processes for scalability. Compute IND-AS adjustments such as: EIR (Effective Interest Rate Ind AS 109), ECL (Expected Credit Loss Ind AS 109), EIS (Effective Interest Spread for derecognized financial assets like PTC/securitization). Prepare and track annual operating plans versus actuals. 5. Fund Management & Borrowings Manage working capital and coordinate fund drawdowns from lenders and banking partners. Track and manage repayment schedules, interest costs, and covenant compliance. Oversee securitization & Direct Assignment (DA) accounting, including PTC-related reconciliations and investor reporting. 6. Treasury & ALM Oversight Support ALM activities including liquidity planning, maturity profiling, and funding strategy. Prepare ALCO reports and collaborate with Risk team for regulatory alignment. 7. Budgeting & Operational Finance Lead the preparation of monthly/quarterly budgets for disbursements, collections, and branches. Collaborate with business heads to monitor cost-to-income, yields, and operational KPIs. 8. Audit & Governance Coordinate internal audits covering lending, expense, and vendor areas. Facilitate statutory and RBI audit requirements, and ensure timely closure of audit findings. Experience Requirements Proven expertise in preparing IND-AS financial statements, including both standalone and consolidated accounts. Familiarity with IFRS and any prior experience working in Saudi Arabia is an added advantage. Hands-on experience across core finance functions including taxation, revenue management, accounts payable/receivable, banking, and treasury. Demonstrated ability to prepare MIS and deliver board-level presentations to Directors and Investors. Experience in budgeting, forecasting, and financial modeling. Key Skills Proficient in MS Excel and PowerPoint; working knowledge of Office 365 suite. Familiar with Tally and ERP platforms such as Oracle or SAP. Excellent attention to detail with strong analytical and documentation skills. Ability to work independently with minimal supervision and manage multiple priorities effectively. Self-motivated, and adaptable to a fast-paced, multicultural work environment. Strong written and verbal communication skills in English. High degree of integrity and trustworthiness. Role & responsibilities About Us We are a newly established, credit focused NBFC committed to enabling access to finance for MSMEs and underserved retail borrowers across India. Our mission is to build a modern, tech-enabled lending platform that delivers responsible credit at scale. Our parent AVANA Companies ( www.avanacompanies.com ) is a U.S. based group of credit and finance companies specializing in lending to specific niche industries that were highly knowledgeable in, such as hospitality, construction, and traditional Commercial Real Estate (CRE) because it enables us to provide the best possible service for our borrowers and minimize risk for our investors. We focus on helping small business owners and real estate developers across the USA by offering quick, adaptable, and dependable financing. Based in Glendale, Arizona, our financial services firm stands at the forefront of the industry, embracing innovation and fostering a culture of excellence. Founded in 2002, we have originated loans in excess of $6.5 Billion and managed $1 Billion assets for our investors. Why join us? Join a high-growth NBFC where youll shape core finance systems, drive regulatory compliance, and lead strategic financial initiatives from day one. Work directly with founders and leadership in a transparent, fast-paced environment. Gain exposure across treasury, lending operations, investor reporting, and IND-AS compliance. This is a high-impact role with clear growth into future leadership.
Role Overview We are looking for a seasoned Credit Manager with 710 years of experience in MSME lending, preferably withinan NBFC setup. The ideal candidate will be a qualified Chartered Accountant (CA) who has a strong track record in underwriting MSME business loans, LAP, equipment loans and supply chain finance. This role will be based in Pune and will be pivotal in maintaining credit quality while supporting business growth. Key Responsibilities 1. Credit Underwriting a. Conduct detailed financial analysis and credit risk assessment for MSME borrowers. b. Underwrite business loans, LAP, equipment loans and supply chain finance proposals in line with internal credit policy. c. Evaluate borrower financials, business models, banking behaviour, and collateral quality. 2. Policy & Process Compliance a. Ensure adherence to credit policies, processes, and regulatory guidelines. b. Recommend necessary modifications to existing policies based on market dynamics. 3. Portfolio Monitoring a. Track portfolio performance, identify early warning signals, and take proactive steps to mitigate risks. b. Engage in regular portfolio reviews and reporting. 4. Stakeholder Coordination a. Liaise with internal teams (Sales, Operations, Legal, Risk) to ensure smooth disbursement and documentation. b. Collaborate with external partners such as valuation agents and credit bureaus. 5. Technology & Automation a. Contribute to digital underwriting workflows and credit automation initiatives. Experience Requirements Chartered Accountant (CA) with 7-10 years of post-qualification experience in credit underwriting. Prior experience with NBFCs or banks in the MSME lending space is essential. Proven expertise in underwriting business loans , loan against property (LAP) , equipment loans and supply chain finance. Strong understanding of financial statements, ratio analysis, and cash flow projections. Familiarity with credit scoring models, rating tools, and regulatory compliance. Excellent decision-making and communication skills. Based in Pune or willing to relocate. Key Skills Proficient in credit risk assessment financial ratios, banking & GST analysis, bureau and collateral assessment. High attention to detail and ability to work in a fast-paced environment. Experience with tech-enabled credit evaluation and alternate data usage. Exposure to digital lending platforms or fintech collaborations. Strong written and verbal communication skills in English. High degree of integrity and trustworthiness. About Us We are a newly established, credit focused NBFC committed to enabling access to finance for MSMEs and underserved retail borrowers across India. Our mission is to build a modern, tech-enabled lending platform thatdelivers responsible credit at scale. Our parent AVANA Companies (www.avanacompanies.com) is a U.S. based group of credit and finance companies specializing in lending to specific niche industries that were highly knowledgeable in, such as hospitality, construction, and traditional Commercial Real Estate (CRE) because it enables us to provide the best possible service for our borrowers and minimize risk for our investors. We focus on helping small businessowners and real estate developers across the USA by offering quick, adaptable, and dependable financing. Based in Glendale, Arizona, our financial services firm stands at the forefront of the industry, embracing innovationand fostering a culture of excellence. Founded in 2002, we have originated loans in excess of $6.5 Billion and managed $1 Billion assets for our investors. Why join us? Join a fast-scaling NBFC where you will be instrumental in building and strengthening our core credit and riskframework from day one. Work directly with founders and leadership in a transparent, fast-paced environment. This is ahigh-impact role with clear growth into future leadership. Role & responsibilities
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