AVP - Data Governance

Overview

Lead data quality, regulatory compliance and analytics governance across the core credit ecosystem, overseeing data pipelines, Uniform Credit Reporting Formats, and Critical Data Elements.

What you'll do

• Enforce and maintain Uniform Credit Reporting Formats (UCRF Forms 1, 2 and 3) across all data pipelines.
• Oversee end-to-end ingestion processing and ensure automated generation and distribution of Data Statistics Reports (DSR).
• Establish benchmarks for file-level, CI-level and Industry-level Data Quality Indexes (DQIs).
• Own and continuously update the CDE Master Register covering key attributes such as Loan Status, DPD, Outstanding Balance and Demographics.
• Design and enforce risk-based data lineage tracking from initial SFTP ingestion through to consumer credit reports and scoring models.
• Ensure strict compliance with statutory credit data retention policies (7-year and perpetual retention rules) and RBI guidelines.
• Work with legal and compliance teams to adapt internal governance policies to evolving regulatory standards.
• Monitor and optimize dispute resolution workflows to ensure adherence to the statutory 30-day resolution SLA.
• Collaborate with the Internal Ombudsman on complex or escalated dispute rejections.
• Analyze quarterly delink logs and customer complaint dumps to conduct deep-dive root cause analyses.
• Identify and resolve algorithm defects, fine-tuning entity resolution match logic and adjusting match thresholds within DCtrl.
• Drive engagement with Credit Institutions to resolve recurring submission errors, monitor compliance, and enforce data cleanup and resubmission schedules.
• Execute routine KYC anomaly audits focusing on PAN, Aadhaar and Voter ID to ensure data integrity and prevent identity misclassification.
• Extract, analyze and publish data trends as early warning indicators, delivering actionable insights to key stakeholders.

What you'll need

• Bachelor's or master's degree in data analytics, computer science, statistics, finance, or a related quantitative field.
• 15+ years of relevant experience in data governance, data quality management, or business intelligence within a credit bureau, financial institution, or fintech.
• Deep expertise in Indian credit bureau standards (UCRF, CICRA, DPDP), entity resolution, cascading match algorithms, and data lineage mapping.
• Proficiency in SQL, SAS/Python, database architecture (Cassandra/Oracle), ETL frameworks (Talend GCP), and statistical sampling methods.
• Strong cross-functional leadership and executive presentation capabilities, including presenting governance outcomes to senior leadership teams and board committees.

Nice to have

• Prior experience in a data governance role with a large bank, NBFC or CIC.

Details

• Location: Mumbai, India.
• Work setting: hybrid.
• Employment type: full time.
• Function: Fulfillment / Operations.