01Key Responsibilities
1. Requirements Gathering & Analysis
- Interact with business users and stakeholders to gather, analyze, and document business requirements.
- Prepare Business Requirement Documents (BRD), Functional Requirement Documents (FRD), User Stories, and Use Cases.
- Translate business requirements into functional specifications for development teams.
- Conduct gap analysis and recommend process improvements.
2. Secured Loan Process Expertise
- Understand end-to-end Secured Loan lifecycle including:
- Lead Management
- Loan Origination
- Credit Assessment
- Property Valuation
- Legal Verification
- Underwriting
- Sanction & Disbursement
- Loan Servicing & Collections
- Ensure compliance with regulatory and internal lending policies.
3. Stakeholder Management
- Coordinate with Product Owners, Business Teams, Operations, Risk, Credit, Legal, and IT teams.
- Facilitate workshops, requirement discussions, and solution walkthroughs.
- Manage stakeholder expectations and obtain sign-offs on requirements.
4. Solution Design & Implementation
- Collaborate with development and QA teams during solution design and implementation.
- Support LOS (Loan Origination System), LMS (Loan Management System), and Digital Lending Platform initiatives.
- Participate in system integration discussions involving Core Banking Systems, Credit Bureaus, e-KYC, CKYC, Account Aggregator, and Valuation Agencies.
5. Testing & UAT Support
- Prepare test scenarios, test cases, and business validation documents.
- Support SIT and UAT activities.
- Track defects and coordinate resolution with technology teams.
6. Reporting & Documentation
- Create process flows, wireframes, and business process models.
- Prepare MIS reports and dashboards related to loan processing and operational KPIs.
- Maintain project documentation and knowledge repositories.
Required Skills:
Domain Knowledge
- Strong understanding of Secured Lending products:
- Home Loans
- Loan Against Property (LAP)
- Mortgage Loans
- Vehicle Loans
- Gold Loans
- Knowledge of LOS, LMS, and Digital Lending platforms.
- Understanding of Credit Underwriting, Collateral Management, and Loan Servicing processes.
Preferred Qualifications
- Bachelor's degree in engineering, Finance, Business Administration, or Information Technology.
- MBA / PGDM preferred.
- Certifications such as CBAP, CCBA, Agile BA, Scrum, or Banking Certifications are advantageous.
Preferred Experience
- Experience working with Banks, NBFCs, FinTech's, or Lending Product Companies.
- Exposure to Digital Lending, Mortgage Lending, and Loan Origination Systems.
- Experience in Agile and Waterfall project environments. .
