Become a Housing Loan Officer.

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.

A Loan Officer originates, underwrites, and sanctions retail and MSME loans across PSU banks (SBI, PNB, Canara, Bank of Baroda, Union Bank, Indian Bank), private banks (HDFC, ICICI, Axis, Kotak, IndusInd, Yes, IDFC FIRST), NBFCs (Bajaj Finance, Tata Capital, L&T Finance, Mahindra Finance), and fintech lenders (LazyPay, Paytm Postpaid, Cred). Product scope spans home loans, personal loans, auto loans, two-wheeler loans, business loans, Kisan Credit Cards, MSME term loans, and gold loans. Day to day means interviewing borrowers, pulling CIBIL and Experian credit reports, verifying income documents (ITR, Form 16, salary slips, GST returns), appraising property under Sec 50C, calculating Debt-to-Income ratios, and recommending credit decisions within sanctioning authority. India's total outstanding bank credit crossed ₹175 lakh crore in 2025, and the push into underpenetrated markets (affordable housing under PMAY, MSME under Mudra Yojana, agri-credit under KCC) means loan officer headcount is a structural growth story in both PSU and private bank channels. Entry is via banking-sector hire at graduation level or from Banking PO pool; Certified Credit Professional (CCP) and JAIIB/CAIIB are the in-career credentials that unlock promotions.

Senior: N/A

Loan Recovery Officers in Indian banks (HDFC Bank, ICICI Bank, Axis Bank, SBI, Punjab National Bank) and NBFCs (Bajaj Finance, Aditya Birla Capital, Shriram Finance, Mahindra Finance) manage Non-Performing Asset (NPA) portfolios and pursue legally compliant recovery of overdue loans. Work spans the full SMA-0 / SMA-1 / SMA-2 / NPA classification ladder: early-stage settlement negotiations with borrowers, issuance of SARFAESI Act Section 13(2) demand notices and Section 13(4) possession notices for secured assets, filing and case management at Debt Recovery Tribunals (DRT) and Debt Recovery Appellate Tribunals (DRAT), and coordinating IBC referrals with resolution professionals for large-ticket corporate defaults. Officers must operate strictly within the RBI Master Direction on Recovery Agents (2023) and the Banking Regulation Act code of conduct — no coercion, no third-party harassment, mandatory call-time windows. Recovery roles sit in bank credit-risk or collections verticals, at IBA-empanelled recovery agencies, or in BPS firms (EXL, Mphasis, IntellecAssist) running recovery operations for multiple lenders.

Senior: N/A

Claims adjusters in India investigate, adjudicate, and settle motor, health, and property claims for general insurers such as ICICI Lombard, Bajaj Allianz, HDFC Ergo, New India Assurance, and Oriental Insurance. In health, the role often sits inside a Third Party Administrator (TPA) — Medi Assist, Health India TPA, MDIndia, Paramount Health — where the adjuster decides cashless pre-authorisations and reimbursement payouts against policy terms, PED waiting periods, deductibles, and co-pay clauses. For motor and property claims above the IRDAI threshold (currently ₹1 lakh for motor, ₹3 lakh for property), a licensed IRDAI Surveyor and Loss Assessor (Category A, B, or C) must be appointed; claims adjusters either hold this licence themselves or coordinate closely with panel surveyors. The work is a daily mix of intake verification, field inspection, policy interpretation, fraud red-flagging, and settlement negotiation — with customer communication running throughout and BNSS evidentiary standards applying when disputed claims proceed to consumer court.

Senior: N/A

A Company Secretary (CS) is a member of the Institute of Company Secretaries of India (ICSI), recognised under the Companies Act 2013 as a Key Managerial Personnel for every company with paid-up capital above ₹10 Cr or turnover above ₹50 Cr. The CS is the corporate governance backbone — drafting board resolutions, filing ROC forms (MGT-7, AOC-4, DIR-12), running AGMs and board meetings, ensuring SEBI LODR compliance for listed clients, advising on Companies Act / SEBI / FEMA / Insolvency Code questions, and signing Secretarial Audit reports under Section 204. Despite the unfortunate name overlap, this is not a clerical secretary role — a senior CS at a listed company sits next to the CFO and General Counsel, and group company secretaries at large Indian conglomerates earn ₹50L-1Cr. The qualification has three stages — CSEET, CS Executive, CS Professional — plus 21 months of practical training under a senior CS.

Senior: ₹35.0L

Product Cataloguing Specialists are the accuracy layer of India's marketplace economy — they create, standardise, and maintain product listings on Amazon India, Flipkart, Meesho, Myntra, JioMart, and D2C storefronts so that items are discoverable, correctly categorised, and legally compliant before going live. The work covers SKU creation with keyword-rich titles, bullet points, A+ Content / EBC, GTIN/EAN/ASIN attribute mapping, image quality review against 1000×1000-pixel standards, taxonomy placement, content moderation, and listing-quality score management. KPO firms — Outsource2India, Cogitate Technology, SunTec India, Flatworld Solutions — run large cataloguing teams serving international marketplace sellers; FMCG and electronics brands (P&G, Samsung, Philips, Godrej) employ in-house catalog managers to maintain brand registry integrity and standardise their product data across platforms. Entry into this role requires a B.A./B.Com plus genuine product knowledge in the relevant category; no specialised degree is gatekeeping it, making it one of the few Operations paths accessible from tier-2 cities.

Senior: N/A