Become a Reinsurance 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.

Forensic Accountants investigate fraud, financial crime, and disputes — using accounting, data analytics, interviewing, and digital forensics to reconstruct what happened, quantify the loss, and produce evidence that holds up in court, before the SFIO, ED, SEBI, RBI, NCLT, or international arbitration tribunals. Unlike auditors who give an opinion on whether financial statements are fairly stated, forensic accountants are hired when something is already wrong — a whistleblower complaint, a bounced loan, a related-party scandal, a PMLA matter, an IBC resolution where the lender wants to know if assets were diverted, a divorce where one spouse has hidden cash, a shareholder dispute, an acquisition where the deal team needs reverse-engineered numbers. In India the practice has exploded post-2016 with PMLA enforcement, the IBC bankruptcy regime, RBI's wilful-defaulter framework, and increased SFIO activity. Big-4 forensic teams (KPMG Forensic, EY Fraud Investigation & Dispute Services, Deloitte Forensic, PwC Forensic Services) and boutiques (Kroll, Nexdigm, Control Risks, BDO India) lead the market — work spans fraud risk assessment, investigation, asset tracing, dispute support, anti-bribery / corruption (FCPA / UKBA / PCA) compliance, and expert-witness testimony.

Senior: ₹40.0L

Transportation Engineers in India plan, design, and deliver the geometric, pavement, drainage, and traffic systems that underpin the country's roads, highways, metros, and airport ground-side infrastructure. Day-to-day work spans IRC-compliant geometric design (sight distances, super-elevation, vertical curves under IRC SP-73 and IRC 86), flexible pavement design following IRC 37 against design traffic in msa, cross-drainage structure hydraulics, traffic volume studies and Level-of-Service analysis, preparation of MORTH-format BOQs, and software-intensive production in AutoCAD Civil 3D, MX Road, VISSIM, SIDRA, and GIS. The Indian employer universe splits into three tiers: private EPC contractors and concessionaires running NHAI HAM/BOT corridors (L&T GeoStructure, IRB Infra, Adani Roads, Tata Projects, HG Infra, Dilip Buildcon, Ashoka Buildcon); specialist transportation consultancies delivering DPRs, Detailed Design reports, and PMC mandates (Egis India, AECOM India, Louis Berger, Mott MacDonald, SNC-Lavalin ATKINS, Systra, STUP); and PSU authorities (NHAI, NHDP PMUs, DMRC, BMRCL, MMRDA, AAI) that absorb IES and GATE-ranked engineers into project management and independent engineering roles. Specialization tracks — highway, urban transport planning, metro civil, airport landside, traffic engineering — diverge sharply by year 4-5.

Senior: ₹50.0L

An IRS (Indian Revenue Service) officer is a Group A Central Civil Services officer who administers India's direct and indirect tax laws, selected through the UPSC Civil Services Examination (CSE). The service has two arms: IRS (Income Tax) under the Central Board of Direct Taxes (CBDT) and IRS (Customs & Indirect Taxes) under the Central Board of Indirect Taxes and Customs (CBIC) — and the rank-list determines which arm an officer joins. IRS officers begin as Assistant Commissioner of Income Tax (ACIT) or Assistant Commissioner of Customs / GST after probation training at the National Academy of Direct Taxes (NADT, Nagpur) for IRS-IT, or the National Academy of Customs, Indirect Taxes and Narcotics (NACIN, Faridabad / Palasamudram) for IRS-C&IT. The career arc runs through Deputy Commissioner, Joint Commissioner, Additional Commissioner, Commissioner, Principal Commissioner, Chief Commissioner, Principal Chief Commissioner, and Member of CBDT / CBIC, with apex postings such as Chairperson CBDT / CBIC and Revenue Secretary in the Ministry of Finance. The work covers assessment of high-value taxpayers, search-and-seizure operations, transfer-pricing audits, international taxation, GST audits and anti-evasion, customs enforcement at ports and airports, narcotics control, prosecution under the IPC / BNS / PMLA / Customs Act / NDPS Act, and policy formulation through CBDT / CBIC. Roughly 25-30 lakh aspirants attempt UPSC CSE each year for ~150-200 IRS-IT and ~80-120 IRS-C&IT vacancies — the most populous All India / Central Service intake, which makes IRS the most realistic UPSC track for candidates clearing in the 200-700 rank band.

Senior: ₹45.0L

Ophthalmologists in India diagnose and treat diseases of the eye and visual system — running OPD clinics for refractive errors, dry eye, glaucoma, and cataracts, performing the highest-volume surgery in Indian medicine (cataract surgery, with India performing roughly 7-8 million cataract surgeries per year), placing intra-ocular lenses and refractive lasers, managing diabetic retinopathy, treating retinal detachment and glaucoma, and increasingly running cosmetic / oculoplastic procedures alongside the core medical practice. The path is MBBS (5.5 years including 1-year rotating internship) entered through NEET-UG, then MS Ophthalmology or DNB / Diploma DOMS (3 years for MS / DNB, 2 years for the older Diploma) entered through NEET-PG / INI-CET. MS Ophthalmology has historically been a less-competitive PG branch than Radiology / Dermatology / Medicine, sitting in the mid-tier of NEET-PG cut-offs — making it one of the more accessible high-income specialties in Indian medicine. Workplaces split four ways: dedicated eye-care chains and centres of excellence (Centre for Sight, Sankara Nethralaya Chennai, LV Prasad Eye Institute Hyderabad, Dr Agarwal's Eye Hospital, ASG Eye Hospitals, Aravind Eye Care System Madurai — the world's largest cataract-surgery network), large multi-specialty hospitals (Apollo, Fortis, Manipal, Max with eye departments), government / teaching hospitals (AIIMS Delhi RP Centre, PGIMER, JIPMER, RIO Kolkata, Sankara Nethralaya, AIIMS Bombay), and private practice — usually a single-doctor clinic with cataract / refractive volume that's the bedrock of ophthalmology incomes. The defining 2026 reality: ophthalmology offers the most lifestyle-friendly clinical specialty profile in Indian medicine — predictable working hours, no real on-call crisis (eye emergencies are rare), high private-practice income through cataract / LASIK volume, and a clear surgical-skill ladder where established refractive / cataract surgeons performing 100-300 surgeries per month routinely clear ₹50L-2Cr through the surgery-volume income model.

Senior: ₹55.0L

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