Manager - Revenue Assurance

Kisetsu Saison Finance (India) Private Limited; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Credit Saison India is hiring a Revenue Assurance Manager to own end-to-end revenue assurance, identify leakages, and ensure compliant income recognition across product lines. You will lead reconciliations between LMS and GL, validate interest calculations and fees, and prepare dashboards for senior management.

Role requires CA/MBA (Finance) and 3–5 years in Revenue Assurance within NBFC/Fintech/Banking, with strong Excel and SQL skills. Collaborative work with Business/Tech teams is essential.

Qualifications

• Education: CA / MBA (Finance) preferred.
• Experience: 3-5 years of experience in Revenue Assurance, preferably in NBFC, Fintech, or Banking.
• Technical Skills: Advanced MS Excel (VLOOKUP, Pivot tables, Macros) and strong experience with SQL for data extraction and analysis.
• Domain Knowledge: Understanding of Loan Lifecycles, Income Recognition, RBI Guidelines for NBFCs.
• Attributes: Analytical mindset, high attention to detail, ability to handle large data volumes.

Responsibilities

• Identify and plug revenue leakages across product lines and ensure accurate income recognition.
• Perform end-to-end revenue assurance, reconciliations between LMS and GL, and validation of interest calculations and fees.
• Prepare monthly revenue assurance dashboards for senior management and flag leakage risks.
• Coordinate with Business/Tech teams to fix root causes and ensure RBI/Ind-AS compliance.
• Run UAT for new products or rate changes and liaise with auditors and external agencies.

Skills

MS Excel

SQL

Pivot tables

Education

CA / MBA (Finance)

Job description

About Credit Saison : Established in 2019, Credit Saison India (CS India) is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI)and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices,2.06 million active loans, an AUM of over US$2B and an employee base of about approx ~2000 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ)of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International's global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Job Description

The Revenue Assurance Manager will be responsible for end-to-end assurance of revenue streams, aiming to identify, analyze, and plug revenue leakages. This role involves rigorous reconciliation, system configuration validation, and reporting to senior management, ensuring income recognition is accurate and compliant with RBI regulations and Ind-AS standards. Identify and investigate anomalies, discrepancies, and leakage points across all product lines (Loan Against Property, MSME, Personal Loans, etc.). Analyze revenue data to plug leakages resulting from system bugs, incorrect interest configurations, fee waivers, or operational lapses. Perform root cause analysis of detected revenue gaps and work with Business/Tech teams to fix them. Oversee critical reconciliations between the Loan Management System (LMS) and the General Ledger (GL). Validate interest calculations, penal interest, processing fees, and other charges against customer contracts and company policy. Prepare detailed monthly revenue assurance dashboards, highlighting leakage metrics, recovery status, and risk areas for senior management. Monthly preparation & Review of partner book and reporting, Co-work with other team for reconciliation of transactions for partner payout at partner level. Prepare Financial Statements, Business Activity Reports and Financial Forecasts. Validate data integrity for regulatory reporting (e.g., RBI returns such as NBS-1, NBS-7). Analyze portfolio yield, net interest margins (NIM), and fee income trends. Perform User Acceptance Testing (UAT) for new products, system changes, or interest rate updates to ensure accurate revenue capture. Laisioning with auditors, external agencies, consultants and close end to end audits and activities.

Required Qualifications & Skills

Education: CA / MBA (Finance) preferred.

Experience: 3-5 years of experience in Revenue Assurance, preferably in NBFC, Fintech, or Banking.

Technical Skills: Advanced MS Excel (VLOOKUP, Pivot tables, Macros) and strong experience with SQL for data extraction and analysis.

Domain Knowledge: Solid understanding of Loan Lifecycles, Income Recognition, and RBI Guidelines for NBFCs.

Attributes: Analytical mindset, high attention to detail, and ability to handle large data volumes.

Company Culture

At Credit Saison India, we are driven by Innovation, Inclusion, and Integrity to create a meaningful Impact. As one of India's fastest-growing NBFC lenders, our mission is to bridge the credit gap and transform lives by empowering underserved communities. Our journey is fueled by a team of 1,400+ employees across 80+ branches, with an AUM of over $2 billion.

Established in 2019, Credit Saison India (CS India) is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International's global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.