Manager - Solution Consulting

EdgeVerve Systems Limited; India; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

EdgeVerve Systems Limited in India is seeking a Digital Lending Specialist with 10–14 years of experience to lead end-to-end digital lending initiatives across retail banking, NBFCs, and fintech partnerships.

You will drive onboarding, KYC/AML compliance, loan origination, underwriting, servicing, and collections, working with product, risk and technology teams to deliver scalable LOS/LMS solutions and integration with ecosystem partners.

Qualifications

• 10–14 years of experience in digital lending, retail banking, NBFC lending, or fintech consulting.
• Experience with end-to-end digital lending journeys and onboarding models.
• Knowledge of KYC/AML, credit bureau integration, and fraud risk controls.
• Experience with LOS/LMS, rule engines, and loan approval processes.
• Strong stakeholder management across business, technology, compliance, operations, and risk.
• Familiarity with API-based integrations and fintech ecosystem partnerships.

Responsibilities

• Lead presales for retail and corporate banking across lending lifecycle.
• Run workshops, demos, PoCs, and RFP responses; translate requirements into solution stories.
• Design and enhance digital lending solutions across retail, SME, and consumer lending segments.
• Drive end-to-end lending journeys from acquisition to closure.
• Support assisted and unassisted onboarding via branches and apps.
• Collaborate with product, risk, credit, compliance, operations, tech, and partners.
• Prepare functional specifications, BRDs, test scenarios; participate in UAT and rollout.

Skills

Digital lending domain

Retail banking

NBFC lending

Fintech consulting

Lending platform implementation

KYC AML controls

Customer onboarding journeys

API integrations

Stakeholder management

Education

MBA

BE/B.Tech

MCA

Equivalent qualification

Tools

Finacle

Job description

Job Description:

Job Description

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 experiencedDigital Lending Specialistwith 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 bothassisted and un‑assisted onboarding models, digital lending platforms, regulatory expectations, and integration with fintech ecosystem partners.

Key Responsibilities

• 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 ofdigital lending solutionsacross retail, SME, and consumer lending segments including working capital portfolio.


• Drive end-to-end digital lending journeys coveringcustomer acquisition, onboarding, KYC, loan application, loan assessment, loan approval, loan disbursement, loan servicing, and closure.


• Work on bothassisted onboardingthrough branches, agents, call centers, relationship managers, or banking correspondents, andun‑assisted onboardingthrough mobile apps, web portals, and self‑service digital channels.


• Define business requirements forLoan 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 toKYC, AML, customer due diligence, data privacy, consent management, and digital lending guidelines.


• Work withCredit Reference Bureausfor 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 ofloan assessment, including income validation, document verification, bank statement analysis, alternate data assessment, and fraud checks.


• Define processes forloan 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 indigital 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 ofassisted and un‑assisted customer onboarding journeys.


• Strong experience inKYC, AML, customer due diligence, identity verification, document verification, and fraud risk controls.


• Good understanding ofCredit Reference Bureau integration, bureau reports, credit scores, repayment history, delinquency indicators, and credit decisioning.


• Experience withLoan Origination Systems, workflow management, credit underwriting, rule engines, and loan approval processes.


• Knowledge ofloan assessment and risk managementpractices across secured and unsecured lending products.


• Understanding ofloan 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

Requirements: