Credit Bureau Manager

About the role:

This role drives accurate, quick, and compliant credit reporting (CICs) and cKYC management. This is key to maintaining compliance, data quality, and a positive credit reporting track record for all borrowers.

Key Roles and Responsibilities:

1. Credit Bureau Reporting Operations

• Data Submission: Manage monthly/fortnightly reporting to four major CICs (CIBIL, Experian, Equifax, and CRIF High Mark).
• Data Mapping: Map and pull LMS data to required CIC format.
• Report Check: Check & match reported data against internal accounts for 100% accuracy; fix differences pre-submission.
• Dispute Management: Manage dispute resolution via bureaus per regulatory deadlines.

2. cKYC Compliance and Data Integrity

• Mandatory Submission: Submit new KYC records to CERSAI (cKYC).
• Data Quality & Upliftment: Maintain 100% data quality. Timely upliftment of records post-verified changes.
• Audit Trail and Compliance: Maintain a clear regulatory audit trail for all cKYC transactions, ensuring PMLA adherence.

3. Regulatory Compliance and Audit

• Regulatory Adherence: Stay updated with all RBI rules (CIC Act, 2005) and credit reporting guides/circulars.
• Process Documentation: Maintain detailed SOPs and process maps for all credit reporting work.
• Internal Control: Design and implement strong internal controls to reduce errors and ensure compliance.
• Audits and Reviews: Act as the main contact for auditors/regulators on all credit bureau reporting.

4. System and Stakeholder Management

• Error Analysis: Root cause analysis of rejected records/errors; drive long-term fixes.
• Coordination: Work with Finance, Risk, Legal to align reporting with financial/legal needs.

Required Qualifications and Skills

• Education & Experience: Bachelor's degree (Finance or related) with 3-6 years of experience in Credit Bureau Reporting (Bank, NBFC, or FinTech).
• Regulatory Expertise: Deep knowledge of RBI/CIC and cKYC regulations is essential. Proven experience dealing with all four Indian CICs.
• Technical Proficiency: Strong data skills (Advanced Excel, SQL). Experience with credit products (Term Loans a plus) and LMS/data structures.
• Detail Orientation: Excellent analytical and problem-solving skills with careful attention to detail.

Competencies

• Ability to work independently, manage deadlines, and perform under regulatory pressure.
• Strong communication and stakeholder management.
• High integrity; commitment to data secrecy