Become a Credit Analyst.

A Tax Auditor conducts statutory audits mandated under Section 44AB of the Income Tax Act, 1961 — an examination of books of accounts for businesses crossing the turnover threshold (₹1Cr for most businesses, ₹2Cr for those opting for presumptive taxation under 44AD, ₹10Cr for businesses with 95%+ digital transactions) and professionals crossing ₹50L gross receipts. The deliverable is Form 3CA/3CB (the audit report) and Form 3CD (a 44-clause statement covering everything from related-party transactions to deferred revenue expenditure). In India, only ICAI-empaneled Chartered Accountants can issue Form 3CA/3CB — the role is a statutory monopoly. Work is concentrated at Big-4 India tax practices (EY, Deloitte, KPMG, PwC), mid-tier firms (Grant Thornton Bharat, BDO, Nexdigm, SR Batliboi affiliates), and thousands of mid-to-small CA firms across tier-1 and tier-2 cities that together handle the long tail of SME tax audits. The busy season runs July–September each year, when the 30 September due date compresses months of audit work into weeks.

Risk Analysts measure and price the chance that something goes wrong on a bank's or insurer's balance sheet — borrowers defaulting (credit risk), markets moving against open positions (market risk), or operational failures like fraud, system outages, and KYC breaches (operational risk). They build statistical models — PD/LGD/EAD for credit, VaR and Expected Shortfall for market, scorecards for retail portfolios, capital models for ICAAP — and translate model output into limits, provisions, and capital requirements. In India, Risk Analysts sit inside private banks (HDFC Bank, ICICI Bank, Axis Bank, Kotak), public-sector banks (SBI, PNB), insurers (HDFC Life, ICICI Prudential, Bajaj Allianz), AMCs (Nippon, HDFC AMC), and the central bank itself (RBI's Department of Supervision and DEPR). The FRM (Financial Risk Manager) credential is the dominant signal alongside CFA — RBI Basel III norms, IRDAI risk-based capital, and SEBI mutual-fund risk frameworks make formally-credentialed risk talent scarce and well-paid.

A sell-side Research Analyst publishes equity research — initiation reports, earnings updates, and sector thematic notes — on listed companies for institutional clients (FIIs, domestic mutual funds, insurance AMCs, and hedge funds) via their brokerage's distribution network. In India the role lives at three tiers: domestic brokers with full-service research desks (Kotak Institutional Equities, Motilal Oswal Institutional Equities, JM Financial, Axis Capital, Nuvama Institutional, ICICI Securities Institutional Equities); regional desks of foreign brokerages (Jefferies India, Macquarie India, Morgan Stanley India, JP Morgan India, CLSA, Bernstein); and KPO research-support arms that feed onshore desks. Compensation is procyclical — base is a fraction of total; bonus ties directly to broker-commission revenue generated by the analyst's coverage and to their ranking in the Institutional Investor (II) Asia / Asiamoney sell-side polls, which are voted on annually by buy-side PMs. SEBI Research Analyst Regulations 2014 require all Indian sell-side analysts to register as NISM Series-XV certified Research Analysts before publishing or co-signing any report.

Business Analysts in financial services are the bridge between business stakeholders and technology / operations teams — they gather requirements, document AS-IS and TO-BE processes, write functional specifications, run UAT, and drive change-management for projects ranging from core-banking upgrades to RBI / SEBI compliance rollouts to GST automation and digital-onboarding programmes. Distinct from a Data Analyst (who works with numbers and dashboards), the Business Analyst is process-led: they sit in workshops, run JAD sessions, write BRDs and FRDs, and shepherd projects through approval gates. In India this role is concentrated at the BFSI verticals of TCS, Infosys (Finacle, Finacle Digital), Wipro, Cognizant, Capgemini, Tech Mahindra, and at the Big-4 advisory practices (Deloitte, EY, KPMG, PwC) — supporting projects at HDFC Bank, ICICI Bank, SBI, Axis Bank, NSE, BSE, depositories, AMCs, and global banks' India captives. The career ladder runs Associate BA → BA → Senior BA → Lead / Principal BA → Practice Head / Engagement Manager.

Treasury Analysts manage the cash, foreign-exchange, and debt position of a corporate or bank — making sure the company has enough liquidity to operate, hedging exposure to currency and interest-rate moves, raising debt at the lowest cost, parking surpluses safely, and maintaining bank relationships across India and offshore. The work blends short-term operational rigour (daily cash position, NEFT / RTGS sweeps, intercompany funding) with structural finance decisions (₹500-Cr bond issuance, ECB drawdowns, USD-INR forwards, working-capital lines, commercial paper). In India, treasury is the highest-stakes finance function at large conglomerates — Tata Group, Reliance, Aditya Birla, Adani, Mahindra, JSW, Vedanta — and at the treasury desks of HDFC Bank, ICICI Bank, Axis, SBI, and the global capability centres of US / EU banks (Goldman Sachs Bengaluru, JPMorgan Mumbai, Bank of America Continuum). The career runs Treasury Analyst → Senior Analyst / Manager → Senior Manager / AVP → Head of Treasury / Treasurer, with very few seats at the top — most large Indian companies have only 1-3 Senior Treasury Manager roles and one Treasurer / Head of Treasury seat.

Anti-Money Laundering Analysts investigate suspicious financial activity to prevent criminal funds from entering the formal banking system. The role centres on reviewing alerts generated by transaction monitoring systems (Actimize, SAS AML, Tookitaki), conducting Enhanced Due Diligence (EDD) on high-risk customers, screening transactions and counterparties against OFAC, UN, and MHA sanctions lists, and drafting Suspicious Transaction Reports (STRs) filed with the Financial Intelligence Unit — India (FIU-IND) under the Prevention of Money Laundering Act, 2002 (PMLA). In India, AML analysts work inside the compliance teams of scheduled commercial banks (HDFC, ICICI, Axis, Kotak, Standard Chartered, JPMorgan, Citi), Big-4 forensic advisory practices (KPMG Forensic, EY FIDS, PwC Forensics), and the fast-growing KPO/GCC segment (Genpact, EXL, WNS) servicing global financial institutions remotely from Gurugram, Bengaluru, and Mumbai.

Treasury Managers own the operational finance engine of a large Indian corporate — the cash position, the FX hedging book, the short-term borrowing programme, and the bank-relationship network that keeps ₹1,000-Cr+ balance sheets liquid and compliant. Unlike the Treasury Analyst who executes individual deals, the Treasury Manager sets the hedge mandate, designs the cash-pooling architecture, manages the NCD / CP issuance calendar, runs the Ind AS 109 hedge-effectiveness programme, and chairs the monthly bank-review. At TCS, Infosys, RIL, HUL, ITC, and Tata Steel the role sits one level below the Treasurer and interfaces daily with the CFO; at Bajaj Finance, Shriram, and PSU bank treasury desks the scope widens to ALM, bond-portfolio management, and the MIBOR reset cycle. Entry into the role is typically through 5-8 years of treasury-analyst or Big-4 debt-capital-markets experience, a CA or MBA credential, and a live track record on at least one bond issuance or ECB drawdown.

Senior: ₹1.2Cr

Insurance underwriters decide whether to accept, decline, or modify insurance applications across life, health, and general lines — and at what premium. In India the role is IRDAI-regulated: every retail and commercial policy issued by LIC, HDFC Life, ICICI Prudential, Max Life, Star Health, ICICI Lombard, Bajaj Allianz, and GIC Re flows through underwriting. Day to day means reading proposal forms, ordering medicals, applying mortality tables, pricing commercial risks (property, marine, liability, aviation), analysing reinsurance treaties, and flagging fraud indicators — all within delegated authority limits. The career splits into life (mortality / morbidity focus), health (claims frequency, comorbidity), and general / commercial lines (engineering, marine, liability), with a specialist track into reinsurance at GIC Re, Munich Re India, or Swiss Re India.

Senior: ₹50.0L

The Financial Controller is the operational finance lead in any organisation — the person who owns the integrity of the books, closes the month, defends the accounts in audit, and translates ledger data into MIS that the CFO and business heads use to make decisions. At Indian listed companies (HUL, ITC, Tata Steel, Infosys BU controllers), mid-cap industrials, and GCC finance centres (JPMorgan, Goldman, Wells Fargo, Zoho, Freshworks, Razorpay finance ops), the Controller is CFO #2: accountable for Ind AS / IFRS-compliant financial statements, ICOFR / SOX control evidence, statutory and internal audit defence, AP/AR and treasury ops oversight, ERP master-data governance, and monthly MIS packs. Unlike the CFO who focuses on strategy and capital allocation, the Controller's mandate is operational rigor — a T+5-to-T+10 close cycle, zero audit qualifications, and internal controls that hold up under SEBI LODR or SOX scrutiny.

Senior: N/A

GRC (Governance, Risk, and Compliance) Analysts build and maintain the control frameworks that keep organisations certifiable, auditable, and defensible in front of regulators. In India they work at TCS Risk, Infosys Risk Management, Wipro, and the Big-4 advisory practices, as well as at private-sector banks (HDFC, ICICI, Axis), fintechs (Razorpay, PhonePe, Cred), and GCCs where ISO 27001, SOC 2, PCI-DSS, and RBI Cyber Security Framework obligations land simultaneously. Day-to-day the job is a combination of control framework mapping (Annex A controls, Trust Services Criteria, PCI-DSS 4.0 requirements, NIST CSF 2.0 domains, RBI Master Directions), risk register maintenance, audit evidence collection, third-party risk assessments, policy authoring, and GRC platform administration on Archer, ServiceNow GRC, or OneTrust. Unlike a cybersecurity analyst who chases threats in real time, a GRC Analyst works on the structured proof that security controls are designed and operating effectively — bridging technical security teams, business units, and external auditors.

Senior: ₹50.0L

Treasury Analysts manage the cash, foreign-exchange, and debt position of a corporate or bank — making sure the company has enough liquidity to operate, hedging exposure to currency and interest-rate moves, raising debt at the lowest cost, parking surpluses safely, and maintaining bank relationships across India and offshore. The work blends short-term operational rigour (daily cash position, NEFT / RTGS sweeps, intercompany funding) with structural finance decisions (₹500-Cr bond issuance, ECB drawdowns, USD-INR forwards, working-capital lines, commercial paper). In India, treasury is the highest-stakes finance function at large conglomerates — Tata Group, Reliance, Aditya Birla, Adani, Mahindra, JSW, Vedanta — and at the treasury desks of HDFC Bank, ICICI Bank, Axis, SBI, and the global capability centres of US / EU banks (Goldman Sachs Bengaluru, JPMorgan Mumbai, Bank of America Continuum). The career runs Treasury Analyst → Senior Analyst / Manager → Senior Manager / AVP → Head of Treasury / Treasurer, with very few seats at the top — most large Indian companies have only 1-3 Senior Treasury Manager roles and one Treasurer / Head of Treasury seat.

Senior: ₹50.0L