Business Finance Senior Analyst, AS

Overview

Senior-level Product Control role providing P&L and valuation control coverage for the securitised products business, with primary responsibility for Mortgage-Backed Securities (MBS) and Agency Collateralised Mortgage Obligations (CMOs).

What you'll do

• Own daily P&L production, review, substantiation and commentary for assigned securitised product books, ensuring timely delivery and clear explanation of revenue drivers.
• Review P&L attribution across new issue activity, market moves, carry, prepayment behaviours, time decay, convexity, basis risk, financing / repo, cancellations / amendments and manual adjustments.
• Lead timely front-office P&L sign-off by investigating material flash-to-actual variances.
• Oversee daily and month-end reconciliations across front office, risk, sub-ledger and general ledger systems; drive root cause resolution of recurring breaks with Technology, Operations and Middle Office.
• Review and challenge balance-sheet completeness, position integrity, trade populations, inventory reconciliations and accounting-policy application across relevant legal entities.
• Act as senior point of contact for Trading, Risk, Valuation Control, Operations, Treasury, Technology, Financial Control, Audit and Regulatory Reporting on complex P&L, valuation and control issues.
• Take ownership of month-end close activities, including accounting-to-economic P&L reconciliation, journal review, certification support and preparation of reporting packs for senior finance and trading management.
• Support new-product onboarding, system migrations, booking model changes, control framework enhancements and user acceptance testing.
• Identify and lead process-improvement, automation and AI-enabled initiatives across P&L and BO processes, reconciliations, variance commentary and management reporting.
• Maintain procedures, control documentation, audit evidence and issue-tracking records; monitor KRIs, SLAs and control thresholds, escalating breakdowns promptly to key stakeholders.
• Review or supervise junior team members, manage escalations and communicate complex valuation and P&L issues to senior stakeholders.

What you'll need

• Qualified finance professional: CA or MBA in Finance or any related discipline.
• Typically 5-7 years of experience in Product Control, Valuation Control, Middle Office, Risk or Fixed Income Finance, with substantial exposure to securitised products.
• Deep knowledge of Fixed Income and Securitised Products such as Agency MBS, CMOs, ABS, structured credit and related derivatives or hedging instruments.
• Demonstrated experience owning daily P&L, P&L attribution, front-office sign-off, IPV, reserves/valuation adjustments, reconciliations and month-end close.
• Solid knowledge of GAAP/IFRS fair-value accounting concepts, financial instrument classification, valuation reserves and internal controls over financial reporting.
• Experience reviewing or supervising junior team members, managing escalations and communicating complex valuation and P&L issues to senior stakeholders.
• Ability to apply Python, SQL and workflow-automation tools to improve data ingestion, P&L production and recurring control activities.
• Ability to partner with Technology, Data and Audit to ensure AI solutions satisfy data quality, privacy, security and responsible AI requirements.

Nice to have

• Proven ability to leverage AI tools to enhance productivity and optimise workflows, applying critical judgment to ensure responsible and ethical use of data and AI outputs.

Details

• Location: Mumbai, India (DIPL Mumbai).
• Reports to AVP / VP Business Finance Lead.