Assistant Vice President - Digital Applications (LOS)

Aye Finance Limited; Gurugram District; On-site; INR 4,000,000 - 6,600,000; Full time

Job summary

Aye Finance Limited is seeking an experienced Application Lead at AVP level to drive design, delivery, and governance of its digital application landscape, including Loan Origination Systems (LOS) and customer service applications.

You will spearhead digital transformation initiatives, improve customer experience, and ensure strong governance across origination, servicing, and collections while mentoring junior team members and coordinating with vendors and stakeholders.

Qualifications

• 5–8 years of experience in Banking, NBFC, Fintech, or IT product organizations with ownership of digital application portfolios.
• Hands-on experience with Loan Origination Systems (LOS) and digital servicing platforms.

Responsibilities

• Lead design, delivery, and governance of the digital application landscape including LOS and servicing platforms.
• Own SDLC processes from BRD to production deployment and ongoing support.

Skills

Digital transformation

Stakeholder management

Project leadership

Communication

Analytical thinking

Education

B.Tech / BE / MCA

Tools

Newgen IBPS

NEMF

SQL

Process Modeler

Forms Designer

Rule Engine

Job description

Role Overview

We are seeking an experienced Application Lead (AVP level) to spearhead the design, delivery, and management of our digital application landscape, including Loan Origination Systems (LOS), Customer Service Applications, and related digital platforms. This role will be central in driving our digital transformation agenda, enhancing customer experience, and ensuring robust application governance across origination, servicing, and collections. The incumbent will lead solutioning, configuration, vendor coordination, and process improvement, while mentoring junior team members and driving stakeholder engagement

Key Responsibilities

Digital Transformation & Customer Experience

• Lead initiatives to design and implement digital transformation strategies aimed at operational efficiency, superior customer experience, and market growth.
• Build seamless, intuitive digital customer journeys across loan origination and servicing.
• Drive adoption of customer-centric platforms (CRM, mobile apps, digital self-service).

Project Delivery & SDLC Management

• Own and manage the full Software Development Lifecycle (SDLC): BRD creation, techno-functional specifications, development, UAT, production deployment, and ongoing support.
• Translate business requirements into actionable deliverables for in-house IT teams and external vendors.
• Perform cost-benefit analysis and define prioritization frameworks aligned with business goals.
• Ensure timely, high-quality delivery of IT initiatives using structured project management practices.

Platform Configuration & Solutioning (Newgen IBPS & NEMF)

• Lead the configuration of modules across the loan origination lifecyclelead capture, onboarding, credit assessment, approval, and disbursalusing Newgen IBPS and NEMF platforms.
• Configure workflows, forms, business rules, data templates, queues, access roles, and notifications using tools such as Newgen Process Modeler, Forms Designer, and Rule Engine.
• Architect scalable, reusable configurations, minimizing custom code wherever possible.
• Guide and advise implementation partners technical teams on optimal platform usage, customization approaches, and best practices.
• Perform technical validations for release configurations, integrations, and environment readiness.

Stakeholder & Vendor Management

• Act as a trusted partner to business stakeholders, ensuring effective communication, progress tracking, and delivery satisfaction.
• Manage relationships with external IT partners and vendors to ensure timely and quality delivery of application changes and enhancements.

Compliance, Governance & Reporting

• Ensure applications comply with all regulatory guidelines, information security standards, and audit requirements.
• Drive IT governance across product development, enhancement, and release management.
• Provide regular and accurate management reporting on application health, project status, and resource utilization.

Experience

• 5 to 8 years of experience in Banking, NBFC, Fintech, or IT product organizations with extensive ownership of digital application portfolios.

Domain Expertise

• Strong knowledge of Loan Origination in the Indian retail lending segment.
• Hands‑on experience with Loan Origination Systems (LOS) and digital servicing platforms.
• Exposure to collections, bookkeeping, and financial reporting systems.

Technology Proficiency

• Solid understanding of RDBMS concepts and proficiency in SQL (DDL & DML).
• Familiarity with API‑based integrations with external partners (KYC providers, Credit Bureaus, Account Aggregators, Messaging APIs, etc.).
• Working knowledge of CRM platforms, internet/mobile banking systems, and customer‑facing digital applications.

Soft Skills

• Excellent communication and stakeholder management capabilities.
• Analytical and structured problem‑solving approach; ability to balance business needs with technical depth.
• Proven leadership and project management experience in delivering complex technology programs.

Education

• B.Tech / BE / MCA (or equivalent qualification) from a recognized institution.