Become an Internal Audit Manager.

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.

Podiatrists in India are foot-and-ankle specialists working almost exclusively in the diabetic-foot ecosystem — the country has 101 million diabetics (ICMR 2023) and diabetic foot complications are the leading cause of non-traumatic lower-limb amputation. The clinical day centres on Wagner / Texas ulcer grading, vascular Doppler and ABI assessment, sharp debridement, offloading with total contact cast (TCC) or removable cast walkers, and custom therapeutic footwear prescription. Formal 'Podiatry' as a standalone MBBS-equivalent degree does not yet exist in India; practitioners come from MBBS + Fellowship in Diabetic Foot (Dr Mohan's Diabetes Specialities Centre Chennai, AIIMS Diabetic Foot Clinic Delhi), M.S. Orthopaedics + subspecialty, or vocational Diploma in Podiatric Medicine through MV Hospital for Diabetes. Most practice from private diabetes super-speciality centres, Apollo Diabetic Foot clinics, Fortis wound-care units, or their own clinics. The Diabetic Foot Society of India (DFSI) and RSSDI provide the continuing-education and guideline framework (IWGDF-aligned) for the specialty.

Senior: N/A

Business Process Analysts (BPAs) redesign how organizations work — they map current-state processes in BPMN or swimlane notation, identify waste using Lean (7 mudas: defects, overproduction, waiting, non-utilized talent, transportation, inventory, motion, extra-processing), run root-cause analysis via DMAIC, 5-Why, and fishbone diagrams, and deliver measurable cycle-time and cost reductions. In India, the role is concentrated at Big-4 process-excellence practices (KPMG, EY, Deloitte, PwC), BPO/GCC process owners at Genpact, EXL Service, WNS Global, Capgemini BPO, and in-house Lean/Six Sigma teams at HUL, ITC, RIL, TCS, and Mahindra. Entry needs Six Sigma Yellow/Green Belt or Lean Practitioner certification; mid-level roles require Green Belt with 2-3 documented Kaizen savings projects; senior roles demand Black Belt with P&L-attributed process savings of ₹2-10 Cr. Distinct from a Business Analyst (requirements-gathering for IT projects) and from a Management Consultant (strategy): the BPA's deliverables are process maps, control charts, FMEA registers, Kaizen event reports, and quantified cost-reduction cases.

Senior: ₹50.0L

A NABARD Grade A Officer (Assistant Manager) works at the National Bank for Agriculture and Rural Development — India's apex development finance institution for agriculture, cooperative credit, and rural infrastructure. Unlike a retail bank PO, the role is almost entirely institutional and policy-facing: appraising refinance proposals from State Cooperative Banks and Regional Rural Banks, monitoring Rural Infrastructure Development Fund (RIDF) projects worth hundreds of crores, supervising microfinance institutions and PACS, structuring climate-resilient agriculture credit, and implementing national schemes like KCC, FPO financing, and WADI tribal development. Entry is via a three-phase national exam (Prelims + Mains + Interview) across more than 20 specialist discipline streams. The pay scale of ₹44,500-89,150 plus DA, HRA, and allowances translates to ₹75,000-95,000 gross monthly at entry — among the highest in any PSU at Grade A.

Senior: ₹42.0L

Supply Chain Analysts run the data and decision layer behind how products move from suppliers to shelves to customers. They build demand forecasts, optimise inventory levels, design replenishment policies, negotiate supplier terms, run network and route analyses, and tell the business when to buy, how much to buy, and where to hold it. In India, this role is exploding inside Flipkart, Amazon India, Reliance Retail, Tata CLiQ, Myntra, Nykaa and the D2C wave (Mamaearth, boAt, Sugar Cosmetics, Wakefit, Lenskart) — anywhere SKUs, hubs and order volumes have grown faster than the organisation's ability to plan them by hand. Distinct from a Procurement Manager (who owns supplier relationships), a Logistics Manager (who owns physical movement) and an Operations Analyst (who owns process metrics) — a Supply Chain Analyst owns the math: forecast accuracy, inventory turns, fill rate, working-capital tied up in stock, and total landed cost per SKU.

Senior: ₹45.0L

SAP Consultants implement, customise, and support SAP ERP systems across modules such as FI (Financial Accounting), CO (Controlling), SD (Sales & Distribution), MM (Materials Management), PP (Production Planning), and HCM (Human Capital Management), with a fast-growing specialisation in S/4HANA Greenfield and Brownfield migrations. In India, the role is concentrated in the SAP practices of TCS, Infosys, Wipro, HCL, Tech Mahindra, Capgemini, IBM Consulting, Accenture, and Deloitte — all of whom run large client accounts in BFSI, manufacturing, energy, and retail on multi-year S/4HANA transformation engagements. Functional consultants work between business users and ABAP developers: they translate business processes into SAP configuration via the IMG (Implementation Guide), write functional specifications for enhancements, coordinate UAT, and own post-go-live hypercare. Senior consultants and architects layer in S/4HANA-specific capabilities — Universal Journal (ACDOCA), embedded analytics via SAP BW4/HANA, SAP Fiori UX, and Business Technology Platform (BTP) integration with third-party systems. The demand for India-based SAP talent is structurally driven by the 2027 ECC end-of-mainstream-maintenance deadline: virtually every global SAP customer running ECC 6.0 must plan an S/4HANA migration, making experienced FI/CO and SD/MM functional consultants with S/4HANA project exposure among the most sought-after profiles in Indian IT services in 2025-2027.

Senior: N/A