Manager - Solution Consulting

EdgeVerve Systems; Chennai District; In loco; INR 1.800.000 - 2.400.000; Tempo pieno

Descrizione del lavoro

EdgeVerve Systems is seeking an experienced Digital Lending Specialist with 10-14 years in the Indian banking, NBFC, or fintech sector. The role covers onboarding, KYC/AML, LOS/LMS, underwriting, risk scoring, and digital collections across retail and SME lending.

The candidate will lead presales, workshops, and RFP responses, and collaborate with product, risk, and technology teams to implement scalable digital lending solutions compliant with regulatory norms.

Competenze

• 10-14 years of experience in digital lending, retail banking, NBFC lending, fintech consulting, or lending platform implementation.
• Strong understanding of lending ecosystem, regulatory expectations, and digital platforms.
• Experience with assisted and unassisted onboarding journeys, KYC/AML controls, and credit bureau integration.

Mansioni

• Lead presales for lending, onboarding, KYC/AML, and loan servicing across retail and corporate banking.
• Drive client workshops, demos, PoCs, and RFP responses; translate client needs into Finacle-anchored solutions.
• Design, implement, and enhance digital lending solutions across retail, SME, and consumer segments.
• Oversee end-to-end digital lending journeys from onboarding to loan closure and servicing.
• Collaborate with product, risk, compliance, operations, and fintech partners to deliver scalable lending products.
• Ensure compliance with KYC/AML, data privacy, and digital lending guidelines.

Conoscenze

Digital lending domain

Business analysis

Solution consulting

Customer journey design

Credit & risk understanding

Regulatory awareness

Process optimization

Documentation skills

Stakeholder management

Financial technology environments

Formazione

MBA

BE/B.Tech

MCA

Descrizione del lavoro

ob Description Digital Lending Specialist / Lead Consultant

Experience 10-14 Years

Location India

Domain Digital Lending, FinTech, Banking, NBFC, Digital Transformation

Role Overview

We are looking for an experienced Digital Lending Specialist with 10-14 years of experience in the Indian banking, NBFC, or fintech ecosystem. The candidate should have strong working knowledge of end-to-end digital lending journeys, including customer onboarding, KYC/AML compliance, credit bureau integration, loan origination, underwriting, risk assessment, loan servicing, and digital collections. The role requires hands‑on understanding of both assisted and un‑assisted onboarding models, digital lending platforms, regulatory expectations, and integration with fintech ecosystem partners.

• Lead presales for retail and corporate banking pursuits spanning Lending, Origination, Onboarding, KYC/AML/Due diligence, Loan Servicing, Collections and operations.
• Run client workshops, demos, PoCs and RFP responses; convert business drivers, regulatory needs and customer journeys into tailored Finacle-anchored solution stories.
• Lead and support the design, implementation, and enhancement of digital lending solutions across retail, SME, and consumer lending segments including working capital portfolio.
• Drive end-to-end digital lending journeys covering customer acquisition, onboarding, KYC, loan application, loan assessment, loan approval, loan disbursement, loan servicing, and closure.
• Work on both assisted onboarding through branches, agents, call centers, relationship managers, or banking correspondents, and un-assisted onboarding through mobile apps, web portals, and self‑service digital channels.
• Define business requirements for Loan Origination Systems (LOS), loan management systems, rule engines, workflow systems, and digital platforms.
• Collaborate with product, risk, credit, compliance, operations, technology, and external fintech partners to deliver scalable lending products.
• Ensure lending journeys comply with regulatory requirements related to KYC, AML, customer due diligence, data privacy, consent management, and digital lending guidelines.
• Work with Credit Reference Bureaus for bureau checks, credit history validation, score‑based decisioning, and risk‑based pricing.
• Support configuration of credit policies, eligibility rules, underwriting logic, risk scoring models, and approval workflows.
• Contribute to automation of loan assessment, including income validation, document verification, bank statement analysis, alternate data assessment, and fraud checks.
• Define processes for loan servicing, including repayment schedule management, EMI processing, prepayment, foreclosure, restructuring, delinquency handling, and customer communication.
• Identify process gaps and recommend improvements to enhance customer experience, reduce turnaround time, and improve straight‑through processing.
• Support digital integrations with ecosystem partners such as payment gateways, account aggregators, credit bureaus, e‑KYC providers, CKYC, fraud detection platforms, and collection systems.
• Prepare functional specifications, process flows, user stories, BRDs, test scenarios, and operational readiness documents.
• Participate in UAT, defect resolution, production rollout, user training, and post‑implementation support.

Required Skills and Experience

• 10-14 years of experience in digital lending, retail banking, NBFC lending, fintech consulting, or lending platform implementation.
• Strong understanding of the lending ecosystem, including banks, NBFCs, fintechs, digital platforms, and regulatory expectations.
• Working knowledge of assisted and un‑assisted customer onboarding journeys.
• Strong experience in KYC, AML, customer due diligence, identity verification, document verification, and fraud risk controls.
• Good understanding of Credit Reference Bureau integration, bureau reports, credit scores, repayment history, delinquency indicators, and credit decisioning.
• Experience with Loan Origination Systems, workflow management, credit underwriting, rule engines, and loan approval processes.
• Knowledge of loan assessment and risk management practices across secured and unsecured lending products.
• Understanding of loan servicing, repayment processing, delinquency management, restructuring, foreclosure, collections, and customer servicing.
• Familiarity with digital lending products such as personal loans, consumer loans, MSME loans, vehicle loans, mortgage loans, BNPL, merchant lending, and embedded finance.
• Ability to translate business requirements into functional specifications and technology requirements.
• Strong stakeholder management skills with experience working with business, technology, compliance, operations and risk teams.
• Good understanding of API‑based integrations and digital ecosystem partnerships.

Preferred Qualifications

• MBA, BE/B.Tech, MCA, or equivalent professional qualification.
• Prior experience with banks, NBFCs, fintech companies, lending platforms, or consulting organizations.
• Experience in implementing digital lending platforms, LOS/LMS solutions, or fintech lending products.
• Knowledge of digital lending guidelines, KYC norms, AML requirements, and data privacy principles.
• Exposure to fintech ecosystem components such as Account Aggregator, CKYC, v KYC, eSign, AutoPay, Digital validation, and fraud analytics.

Key Competencies

• Digital lending domain expertise
• Business analysis and solution consulting
• Customer journey design
• Credit and risk understanding
• Regulatory and compliance awareness
• Process optimization mindset
• Strong communication and documentation skills
• Stakeholder and vendor management
• Problem‑solving and analytical thinking
• Ability to work in fast‑paced banking and fintech environments