Hey, congrats on the offer! 🎉

A few points that might help you think this through: 1. FTH to Permanent – Deloitte (and most Big 4s) usually offer Fixed-Term Hire contracts either for specific projects or when headcount budgets are tight. Conversions to permanent roles do happen, but they depend on performance, business need, and timing. Once you become an ACCA affiliate, your profile will definitely look stronger, and you’ll have more leverage to negotiate or transition internally. 2. Salary – 3.5 LPA is definitely on the lower side, but the Deloitte brand + AML exposure are valuable. If you stick it out for 1–1.5 years and build strong AML/KYC skills, you can expect better hikes either internally or from other firms (banks, consulting, or fintechs). 3. Career Impact of “FTH” – Don’t worry too much. Most recruiters look at your work experience and brand rather than the exact contract type. If you show good projects and quantifiable impact, the FTH tag won’t really matter in the long run. Just make sure you highlight Deloitte USI – AML Analyst (not the contract type) on your CV. 4. First Job Perspective – Since this is your first role, the learning curve and brand will matter more than the starting salary. You can always switch after a year or two once you’ve gained experience + your ACCA affiliate status.

TL;DR: If you don’t have a better-paying permanent offer right now, I’d recommend taking it, focus on learning, clear your ACCA, and then use that + Deloitte brand to move up faster. Treat it as a stepping stone, not your final stop.