Become a Treasury 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.

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

Credit Analysts in Indian banks (HDFC Bank, ICICI Bank, Axis Bank, SBI, Kotak Mahindra Bank) and NBFCs (Bajaj Finance, L&T Finance, Shriram Finance, Mahindra Finance) evaluate the creditworthiness of corporate and retail borrowers before loans are sanctioned. The core deliverable is a Credit Monitoring Arrangement (CMA) report — a structured analysis of the borrower's audited balance sheets, P&L statements, cash flow projections, and key credit ratios including Debt Service Coverage Ratio (DSCR), Interest Coverage Ratio (ICR), Current Ratio, and Debt-Equity Ratio — culminating in a credit appraisal note that goes before a credit committee. On the rating-agency side, analysts at CRISIL, ICRA, CARE Ratings, and India Ratings produce long-form sector reports and issuer ratings under RBI-mandated Credit Rating Agency frameworks. This is not loan-officer sales work (origination) or equity research (upside forecasting) — it is rigorous solvency and default-risk analysis against RBI's Master Direction on Income Recognition, Asset Classification and Provisioning (IRACP) norms, working within the bank's credit policy.

Senior: ₹45.0L

Data Governance Analysts build and enforce the policies, processes, and controls that determine who owns data, how it is classified, how it flows across systems, and whether it meets regulatory obligations. In India the role sits at the intersection of the DPDP Act 2023, GDPR Article 30 obligations for MNCs, and enterprise data quality demands — making it a critical hire at TCS, Infosys, and Wipro governance practices, at product-led fintechs (CRED, Razorpay) managing sensitive PII at scale, and at HDFC Bank, ICICI Bank, and Axis Bank running formal data-governance programs mandated by RBI's IT Framework guidelines. Day-to-day work means operating enterprise data catalogs (Collibra, Atlan, Alation), tracking lineage from source systems to BI dashboards, running DAMA-DMBOK-aligned data councils, and coordinating with engineering teams on PII tagging, RBAC schemas, and instrumentation quality.

Senior: ₹50.0L

Forensic Pathologists in India are medical officers who perform medico-legal autopsies, prepare postmortem reports admissible in court under BNSS Section 194 (formerly CrPC 174/176), examine injury patterns to classify deaths under BNS Section 2(28), and provide expert-witness testimony in sessions courts and high courts. The training path is MBBS → MD Forensic Medicine & Toxicology (3 years, formerly called FMT) via NEET-PG, with primary employment in government medical colleges, AIIMS, state forensic labs, and the Central Forensic Science Laboratory (CFSL) network under the MHA. Private-sector demand is limited — the statutory authority to conduct medico-legal autopsies and sign MLCs in India rests almost exclusively with government medical officers, making this one of the few clinical super-specialties that is structurally a government career.

Senior: ₹50.0L

Respiratory Therapists (RTs) are the specialists who manage every aspect of a patient's breathing — from ventilator setup and weaning protocols in an ICU to pulmonary function testing in an outpatient clinic and aerosol therapy on a paediatric ward. In India, the profession grew out of cardio-pulmonary technology programmes in the 1980s and accelerated sharply during the COVID-19 pandemic when ICU ventilator load exposed a critical shortage of trained RT staff. The primary qualification is a B.Sc. Respiratory Therapy (3–4 years) or B.Sc. Cardio-Pulmonary Technology, with premier training at CMC Vellore, AIIMS Delhi, Manipal College of Allied Health Sciences, Sri Ramachandra Institute of Higher Education and Research (SRIHER Chennai), and PGIMER Chandigarh. A 2-year M.Sc. Respiratory Therapy or an M.Sc. Critical Care Technology deepens clinical and research competency. Day-to-day practice spans critical-care ICU management (invasive and non-invasive ventilation, arterial blood gas interpretation, ventilator weaning), pulmonary rehabilitation post-cardiac surgery or post-COVID, bronchoscopy assist, neonatal NICU CPAP/HFNC management, pulmonary function laboratory operations, and patient/family education on inhaler technique and home oxygen therapy. Major employers are Apollo, Fortis, Medanta, Narayana Health, Max Healthcare, AIIMS centres, JIPMER, PGIMER, KGMU, and the growing network of Ayushman Bharat empanelled corporate hospitals. Post-COVID, standalone pulmonary rehabilitation centres and home-care ventilator service providers have become a new employment segment. The profession sits at the intersection of ICU critical care and ambulatory pulmonary medicine — making RTs simultaneously front-line emergency responders and long-term chronic-disease managers.

Senior: ₹15.0L