NBFC Loan Accounting

1 day ago

Delhi Jaipur Mumbai NCR, India Kugelblitz Full time

Roles & Responsibilities

  • Own loan-level accounting design and implementation for NBFCs on the Graviton platform

  • Define and validate accounting treatment for:

  • Loan disbursement, EMI, Pre-EMI

  • Interest accrual, income recognition
  • Principal vs interest split

  • Penal interest, bounce charges, foreclosures, part-payments

  • Implement and validate accrual vs cash accounting logic

  • Handle NPA accounting, including:

  • NPA classification (Sub-Standard, Doubtful, Loss Assets)

  • Interest suspense and income reversal

  • Loan loss provisioning as per RBI norms

  • Ensure accounting compliance with RBI NBFC guidelines

  • Apply Ind AS concepts relevant to NBFCs and lending institutions
  • Manage GST and TDS accounting impact on lending transactions

  • Support preparation and validation of:

  • Trial Balance

  • P&L

  • Balance Sheet

  • Work closely with:

  • NBFC Finance, Accounts, and Audit teams

  • Graviton Product & Engineering teams

  • Translate real-world NBFC accounting practices into system workflows

  • Assist in LMS / Accounting system migrations and parallel runs
  • Support UAT, audits, reconciliations, and go-live activities
  • Identify accounting gaps, mismatches, and edge cases and drive resolution

Preferred Candidate Profile

  • 8+ years of experience in NBFC / Lending accounting

  • Strong hands-on understanding of:

  • Loan-level accounting

  • Accrual concepts

  • NPA accounting and provisioning

  • Practical knowledge of how NBFCs and lending institutions operate

  • Good understanding of:

  • Financial statements (P&L, Balance Sheet, Trial Balance)

  • RBI guidelines impacting NBFC accounting

  • Exposure to Ind AS, GST, and TDS in a lending environment

  • Experience working with or implementing accounting / LMS systems such as:

  • Tally

  • Microsoft Dynamics
  • Zoho Books
  • Jaguar
  • AllCloud
  • Pennant

  • FinnOne Neo

  • Ability to:

  • Work with auditors and senior finance stakeholders

  • Explain accounting logic clearly to product and tech teams

  • Experience in system implementation, consulting, or migrations is a strong plus

Education (Preferred)

  • CA / CMA / MBA (Finance)
  • Strong practical NBFC accounting experience is mandatory

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