Manager - Credit Bureau

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

• Manage monthly / fortnightly reporting to four major CICs (CIBIL, Experian, Equifax, and CRIF High Mark).
• Map and pull LMS data to required CIC format.
• Check & match reported data against internal accounts for 100% accuracy; fix differences pre-submission.
• Manage dispute resolution via bureaus per regulatory deadlines.
• Submit new KYC records to CERSAI (cKYC).
• Maintain 100% data quality. Timely upliftment of records post-verified changes.
• Maintain a clear regulatory audit trail for all cKYC transactions, ensuring PMLA adherence.
• Stay updated with all RBI rules (CIC Act, 2005) and credit reporting guides / circulars.
• Maintain detailed SOPs and process maps for all credit reporting work.
• Design and implement strong internal controls to reduce errors and ensure compliance.
• Act as the main contact for auditors / regulators on all credit bureau reporting.
• Root cause analysis of rejected records / errors; drive long-term fixes.
• Work with Finance, Risk, Legal to align reporting with financial / legal needs.

Required Qualifications and Skills

Skills Required

Advanced Excel, Sql