Business Finance Senior Analyst

Job Title- Business Finance Senior Analyst, AS

Location- Mumbai, India

Role Description

• The Associate will provide senior-level Product Control coverage for securitised Products business, with primary responsibility for Mortgage-Backed Securities (MBS), and Agency Collateralised Mortgage Obligations (CMOs).
• The role combines independent P&L and valuation control with complex escalations, control enhancements, month-end close and oversight of work produced by Senior analysts. This role is based out in DIPL Mumbai and will be reporting to AVP / VP Business Finance Lead.
• As a Business Finance personnel, the core responsibilities are to ensure accurate reporting of periodic P&L, Risk and BS based on sound business/ product understanding along with strong accounting & system knowhow.

What we’ll offer you

As part of our flexible scheme, here are just some of the benefits that you’ll enjoy

• Best in class leave policy
• Gender neutral parental leaves
• 100% reimbursement under childcare assistance benefit (gender neutral)
• Sponsorship for Industry relevant certifications and education
• Employee Assistance Program for you and your family members
• Comprehensive Hospitalization Insurance for you and your dependents
• Accident and Term life Insurance
• Complementary Health screening for 35 yrs. and above

Your key responsibilities

• Own daily P&L production, review, substantiation, and commentary for assigned securitised product books, ensuring timely delivery and a 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, cancellation / amendments and manual adjustments
• Lead timely front-office P&L sign-off by investigating material flash to actual variance.
• 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 a senior point of contact for Trading, Risk, Valuation Control, Operations, Treasury, Technology, Financial control, Audit, 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 & BO processes, reconciliations, variance commentary and management reporting
• Maintain robust procedures, control documentation, audit evidence, and issue tracking records; monitor KRI’s, SLA’s and control thresholds, escalating breakdowns promptly with key stakeholders.

Your skills and experience

• 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, CMO’s ABS’s 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 with 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
• Apply Python, SQL, and workflow-automation tools to improve data ingestion, P&L production and recurring control activities
• Partner with technology, Data, and Audit to ensure AI solution satisfy data quality, privacy and security and responsible AI requirements

Core Competencies:

• End-to-end ownership of P&L, valuation and balance sheet controls
• Independent challenge and valuation control mindset
• Root cause analysis and pro-active escalation
• Stakeholder management across Front office, Risk, Operations and Technology
• Strong interpersonal skills and ability to communicate effectively across global teams
• Commitment to automation, AI governance, and continuous improvement
• Couching, quality review and team development

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

How we’ll support you

• Training and development to help you excel in your career
• Coaching and support from experts in your team
• A culture of continuous learning to aid progression
• A range of flexible benefits that you can tailor to suit your needs

About us and our teams

Please visit our company website for further information:

https://www.db.com/company/company.html

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.

Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.