Lead - CLOS

AU SMALL FINANCE BANK; Jaipur; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

AU SMALL FINANCE BANK is seeking a hands-on Tech Lead to own the Commercial Loan Origination System (CLOS) for its Commercial/SME lending business in Mumbai. You will drive platform ownership, API-driven integrations, and secure, scalable delivery from application intake through disbursement.

The role requires 8-14 years in enterprise engineering with 3-5+ years on lending LOS, strong policy-to-workflow translation, and collaboration with Credit, Risk, Ops, and Compliance.

Qualifications

• 8-14 years in enterprise application engineering
• 3-5+ years on Commercial/SME Lending LOS
• Experience with CredPro or equivalent LOS preferred

Responsibilities

• Own CLOS platform backlog, roadmap, environment strategy and production stability
• Translate business/credit policies into configurable workflows, rule engines, scorecards and maker-checker controls
• Drive straight-through processing (STP) for key journeys from application intake to disbursement
• Lead API, microservices design and integrations with Core Banking, LMS, DMS/ECM, CRM and KYC/AML systems
• Ensure secure, scalable, observable services with standardized API contracts and versioning
• Manage vendor relations (CredPro or equivalent) and align with Business, Credit, Risk, Ops, Legal & Compliance

Skills

Hands-on platform ownership

Stakeholder collaboration

Agile/DevOps

System design

Tools

Java/Spring Boot

.NET Core

Kafka

Docker

Kubernetes

REST APIs

Job description

Job Description:

Location: Mumbai

Experience: 8-14 years (with strong Commercial/SME Lending systems background)

Function: Commercial Banking Technology

Employment Type: Full-time

Reporting: Head – Commercial Banking Technology (and close alignment with Business)

Role Summary

We are looking for a hands-on Tech Lead to own the Commercial Loan Origination System (CLOS) for AU’s Commercial/SME lending business. The role blends solution design, engineering leadership, integrations, and vendor management to deliver a high-availability, secure, and compliant origination platform across products such as Working Capital (CC/OD), Term Loans, WCDL, BG/LC linked limits, Supply Chain Finance, and Co-lending.

You’ll partner with Credit, Risk, Operations, Business, InfoSec, and Compliance to ensure seamless STP, strong controls, and stellar user experience from lead to disbursement.

Platforms: AU Bank uses CLOS (CredPro) for commercial lending; experience with CredPro or equivalent LOS is highly preferred.

What You’ll Do

Product & Solution Ownership

Serve as platform owner for CLOS—backlog, roadmap, environment strategy, and production stability.

Translate business/credit policies into configurable workflows, rule engines, scorecards, and maker-checker control patterns.

Drive straight-through processing (STP) for key journeys (application intake → CAM → underwriting → sanction → documentation → disbursement).

Engineering & Integrations

Lead design/implementation of APIs, microservices, and event flows integrating CLOS with: Core Banking & LMS, DMS/ECM (document generation, storage, e‑stamping/e‑sign), CRM, KYC/AML, Treasury/Limit systems

Bureaus (CIBIL/CRIF/Experian/Equifax), GSTN, MCA21, CKYC, CERSAI, LEI validations

Bank statement analyzers/Account Aggregator, valuation, legal, FI, property search, geo‑tagging, site visit apps

Ensure secure, scalable, and observable services with standardized API contracts, schema management, and versioning.

Delivery & Quality

Run Agile ceremonies; define DoR/DoD; enforce CI/CD, test automation, performance testing, and secure SDLC.

Own SIT/UAT, release planning, cutovers, data migration, and hypercare for major programs.

Establish SRE practices: SLIs/SLOs, error budgets, incident response, root‑cause analysis, and DR/BCP drills.

Risk, Security & Compliance

Embed regulatory controls aligned to RBI/FEMA guidelines for lending, KYC/AML, CERSAI, CKYC, CKYCR, SWIFT‑linked BG/LC (where applicable), and internal audit/ITGC requirements.

Ensure audit readiness, access reviews, config baselines, and PII protection (masking/tokenization, encryption at rest/in‑transit).

Vendor & Stakeholder Management

Work with product vendors/SIs (e.g., CredPro or equivalent) on fixes, upgrades, and performance tuning; manage SOWs/SLAs.

Partner with Business, Credit, Risk, Ops, Legal & Compliance to prioritize features and resolve process gaps.

Must‑Have Qualifications

8-14 years in enterprise application engineering with 3-5+ years on Commercial/SME Lending LOS

Hands‑on design/implementation of credit workflows, rule engines, collateral & covenant management, limit/line structures, and post‑sanction documentation.

Strong integration experience with Core/LMS, DMS/e‑Sign/e‑Stamp, Bureaus, GSTN/MCA, CKYC/CERSAI, AA/Bank statement analyzers.

Proficiency in API‑first architecture and at least one stack:

Backend: Java/Spring Boot or .NET Core microservices

Database:

Oracle/SQL Server/PostgreSQL; performance tuning, indexing, query optimization

Messaging/Events:

Kafka/RabbitMQ; Caching: Redis

CI/CD & Infra:

Git, Jenkins/Azure DevOps, Docker/Kubernetes, SonarQube, Nexus/Artifactory

Observability:

ELK/EFK, Prometheus/Grafana, APM tools

Sound understanding of security patterns (OAuth2/OIDC, TLS, mTLS, secrets management, key rotation) and DR/BCP.

Requirements: