Product Consultant- Islamic Lending

Nucleus Software; Dadri; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Nucleus Software is seeking an experienced Product Consultant with Islamic lending expertise to lead Shariah-compliant lending solutions across LOS and LMS, collaborating with business, tech, risk, and compliance teams to deliver scalable fintech products that meet regulations and customer expectations.

You will architect API-first strategies, enable DIY digital journeys, define STP workflows, and drive end-to-end product capabilities for embedded finance and ecosystem integrations.

Qualifications

• Experience in PMG / Product Management / Platform Management.
• Strong lifecycle management with roadmap ownership and governance.
• Ability to work with engineering on APIs, security, scalability.
• Exposure to low-code/no-code platforms and API-first architecture.
• Experience designing omnichannel digital journeys and onboarding.

Responsibilities

• Design DIY digital customer journeys for loan applications.
• Define STP journeys to maximize automation and quicker approvals.
• Create configurable eligibility, verification, underwriting, and approval workflows.
• Design digital onboarding: eKYC, OCR, biometrics, signatures, consent.
• Define omnichannel journeys across web, mobile, branch, and partners.
• Collaborate with architecture and technology teams on API standards and security.

Skills

PMG / Product Management

Platform Management

APIs & integration

Low-Code / No-Code

Mobility platforms

Workflow engines

API-led architecture

Digital onboarding

Tools

Flutter

Android/iOS

Web journeys

Job description

Role Overview

We are looking for an experienced Product Consultant -Islamic Lending expert to drive the Shariah-compliant lending solutions across Loan Origination and Loan Management platforms. The ideal candidate will have strong expertise in Islamic finance principles, digital lending products, and end-to-end lending lifecycle management. The role requires close collaboration with business, technology, risk, compliance, and engineering teams to build scalable fintech products that meet regulatory requirements and deliver seamless customer experiences.

Key Responsibilities

Loan Origination System (LOS)

• Design and deliver DIY (Do-It-Yourself) digital customer journeys enabling customers to independently complete the entire financing application process through web and mobile channels.
• Define Straight Through Processing (STP) journeys to maximize automation, minimize manual intervention, and improve approval turnaround times.
• Design configurable eligibility, verification, underwriting, and approval workflows to achieve high STP rates while maintaining Shariah and regulatory compliance.
• Define digital onboarding capabilities, including eKYC, OCR, document verification, biometric authentication, digital signatures, and consent management.
• Design omnichannel customer journeys across branch, relationship manager, web, mobile, and partner ecosystems.

Product Strategy & Execution

• Define an API-first product strategy to enable seamless integration with banks, fintechs, marketplaces, payment platforms, credit bureaus, digital identity providers, and other ecosystem partners.
• Drive the adoption of configurable product capabilities using business rules, workflow engines, decision engines, and low-code/no-code configuration wherever applicable.
• Design reusable product capabilities supporting cloud-native, microservices-based, and event-driven architectures. Define product capabilities for embedded finance and ecosystem-led lending.

Stakeholder Management

• Collaborate with enterprise architecture, integration, and technology teams to define API standards, integration patterns, security, and interoperability across the lending ecosystem.
• Strong understanding of DIY (Do-It-Yourself) digital lending journeys and customer self-service experiences.
• Hands‑on experience designing Straight Through Processing (STP) lending journeys with high automation.
• Experience defining configurable business rules, workflow engines, decision engines, and process orchestration.
• Strong understanding of API-first architecture, REST APIs, Open APIs, and API lifecycle management.
• Experience working with API gateways, integration platforms, microservices, and event-driven architectures.
• Knowledge of digital onboarding technologies including eKYC, OCR, digital signatures, biometric verification, consent management, and fraud controls.
• Experience designing omnichannel customer experiences across web, mobile, branch, and partner channels.
• Understanding of embedded finance, Banking-as-a-Service (BaaS), and fintech ecosystem integrations.
• Experience working with configurable product platforms supporting low-code/no-code implementations.

Additional Key Competencies

• DIY Digital Customer Journeys
• Straight Through Processing (STP) Design
• API-First Product Management
• Embedded Finance & Ecosystem Integration
• Business Rules & Workflow Design
• Digital Onboarding & eKYC
• Product Configuration & Process Automation
• Omnichannel Lending Experience Design
• Microservices & Integration Architecture

Requirements

• Experience in PMG / Product Management / Platform Management / Mobility / Low-Code No-Code platforms.
• Strong understanding of product lifecycle management, roadmap ownership, backlog prioritization, release planning, and stakeholder governance.
• Ability to work with engineering teams on APIs, integrations, architecture, security, scalability, and release readiness.
• Understanding of configurable workflows, reusable components, digital journeys, and enterprise platform products.
• Ability to connect platform capabilities with measurable business outcomes, adoption value, and ROI.
• Strong stakeholder management, documentation, workshop facilitation, and execution skills.
• Comfortable operating in ambiguity and bringing structure to early-stage platform initiatives.
• Exposure to Flutter, Android/iOS, web journeys, mobility platforms, workflow engines, API-led architecture, or customer journey orchestration.
• Experience in productizing internal frameworks or engineering-led tools into scalable product platforms.
• Experience in defining platform business cases, adoption metrics, cost-benefit analysis, or productivity improvement measures.
• Completed ownership transition.
• Approved capability document, WBS, roadmap, and GA 9.0 alignment plan.
• Defined readiness roadmap across Android, iOS, web, security, performance, and enterprise.

Benefits

Nucleus is well known for identifying, nurturing, and promoting the talent and having long mutually rewarding associations with its performing associates. Our focus programs help our associates to continuously grow based on their capability, performance, and career aspirations.