Techno-Functional Consultant – Credit Bureau & Lending

Insight Advisors Private Limited; Thane; On-site; INR 2,400,000 - 4,200,000; Full time

Job summary

Bravient Advisors Private Limited is seeking a Techno-Functional Consultant with hands-on experience in CIBIL, CRIF and other CICs to drive bureau integration and regulatory compliance for a lending fintech.

You will own functional requirements, map data across bureaus, and translate regulatory needs into BRDs, FRDs and API specifications, coordinating with product, engineering and risk teams.

Qualifications

• 5+ years in lending/fintech/credit bureau domain.
• Strong knowledge of CICRA 2005 and RBI reporting requirements.
• Experience with APIs, data mapping, SQL, and lending systems.

Responsibilities

• Own functional requirements for CKYC, CIBIL, CRIF, Experian, Equifax and other bureaus.
• Understand and implement requirements under CICRA 2005 (CICRA) and RBI directions.
• Define bureau enquiry, consent, data, reporting and correction requirements.
• Work with Product, Engineering, QA, Risk, Compliance and Operations teams.
• Translate regulatory/business requirements into BRDs, FRDs, API/data specifications and test scenarios.
• Own credit bureau data mapping, validation, reconciliation and reporting requirements.
• Define requirements for bureau rejects, corrections, disputes and resubmissions.
• Ensure accuracy, timeliness of credit reporting.
• Support UAT, production rollout, issue resolution and regulatory changes.
• Coordinate with bureau teams/vendors and internal stakeholders.

Skills

Credit bureau domain

APIs

Data mapping

SQL

Tools

CIBIL

CRIF

Experian

Equifax

Job description

Bravient Advisors Private Limited | Full time

Experience: 5+ Years

Summary

We are looking for a Techno-Functional Consultant with hands-on experience in CIBIL, CRIF and other Credit Information Companies (CICs) to drive bureau integration, credit reporting requirements and regulatory compliance for a lending fintech.

Responsibilities

• Own functional requirements for CKYC, CIBIL, CRIF, Experian, Equifax and other bureaus
• Understand and implement requirements under Credit Information Companies (Regulation) Act, 2005 (CICRA) and applicable RBI/CIC directions
• Define bureau enquiry, consent, data, reporting and correction requirements
• Work closely with Product, Engineering, QA, Risk, Compliance and Operations teams
• Translate regulatory/business requirements into BRDs, FRDs, API/data specifications and test scenarios
• Own credit bureau data mapping, validation, reconciliation and reporting requirements
• Define requirements for bureau rejects, corrections, disputes and resubmissions
• Ensure accuracy, completeness and timeliness of credit reporting
• Support UAT, production rollout, issue resolution and ongoing regulatory changes
• Coordinate with bureau teams/vendors and internal stakeholders

Requirements

• 5+ years in lending/fintech/credit bureau domain
• Strong hands-on knowledge of CIBIL / CRIF / Experian / Equifax
• Good understanding of CICRA 2005, RBI credit information reporting requirements and digital lending ecosystem
• Strong understanding of APIs, data mapping, databases/SQL and lending/LMS systems
• Excellent techno-functional documentation and stakeholder management skills
• Experience in credit bureau reporting, reconciliation and data-quality processes is highly preferred