Accounts Officer

Ratnaafin Capital; Ahmedabad District; On-site; INR 180,000 - 300,000; Full time

Job summary

Ratnaafin Capital seeks an entry-level Accountant Assistant to manage daily EMI collections, loan repayments, and processing fees in accounting software. You will reconcile bank statements, maintain borrower ledgers with principal and interest splits, and assist during audits. Proficiency in basic accounting and familiarity with Tally/SAP/NBFC software are preferred.

This role also covers filing vouchers, organizing records, and coordinating with field teams to ensure accurate financial data.

Qualifications

• Proficient with basic accounting principles (debits/credits) and bank reconciliation.
• Familiar with EMI, repayments, and charges handling in accounting systems.
• Experience with NBFC software or similar financial software is a plus.

Responsibilities

• Enter daily EMI collections and loan repayments into accounting software.
• Reconcile bank statements with the LMS on a daily basis.
• Record NACH/ECS/Cheque bounce events and update penalties on borrower ledgers.

Skills

Tally

SAP

NBFC software

Tools

Bank reconciliation tools

Job description

Role & responsibilities

• Entry of daily EMI collections, loan repayments, and processing fees into accounting software.
• Daily reconciliation of bank statements with internal Loan Management System (LMS).
• Recording NACH/ECS/Cheque bounces and updating penalty charges on borrower ledgers.
• Maintaining accurate borrower account ledgers (principal & interest split).
• Preparing basic daily/weekly AR collection and aging reports in Excel.
• Tracking unallocated collection receipts and coordinating with field collection teams/banks.
• Filing and organizing physical/digital payment vouchers, bank slips, and records.
• Assisting senior accountants during audit documentation and verification.

Preferred candidate profile

• Basic to intermediate knowledge of Tally, SAP, or NBFC accounting software.
• Solid understanding of basic accounting principles, debit/credit, and bank reconciliation.
• Familiarity with loan basics: EMIs, bounce charges, NA