Senior Test Engineer - Credit Risk & Lending

Qualitykiosk Technologies; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Qualitykiosk Technologies is seeking a testing expert in Credit Risk and Lending applications in Mumbai to perform end-to-end testing of LOS, underwriting workflows, and BRE rules, ensuring accurate credit policies and decisioning logic.

The role requires hands-on Crismac testing, SQL/database testing, API testing with Postman, and Agile with JIRA for defect tracking. Immediate to 30 days notice preferred.

Qualifications

• Hands-on experience in Crismac application testing.
• Experience with credit risk, credit assessment, and lending decisioning.
• Experience testing Loan Origination Systems (LOS) and underwriting workflows.
• Strong SQL and database testing skills.
• Ability to validate credit policies, eligibility rules, scorecards, and decisioning logic.
• Exposure to API testing using Postman or similar tools.
• Experience with Agile methodology and defect tracking with JIRA.

Responsibilities

• Perform end-to-end testing of Credit Risk and Lending applications.
• Validate credit assessment workflows, decisioning engines, and BRE rules.
• Test loan origination, underwriting, approval, disbursement, and customer onboarding journeys.
• Execute test cases, analyze defects, and coordinate with development and business teams for resolution.
• Conduct database validation and API testing for lending applications.
• Support SIT, UAT, and production release activities.

Skills

Crismac

Credit Risk

Credit Assessment

Lending

Decisioning

BRE

SQL

Database Testing

API Testing

Postman

JIRA

Tools

Postman

JIRA

Job description

Mandatory Skills

• Hands-on experience in Crismac application testing.
• Strong knowledge of Credit Risk, Credit Assessment, Lending, Decisioning, and BRE (Business Rules Engine).
• Experience in testing Loan Origination Systems (LOS) and Credit Underwriting workflows.
• Good understanding of Retail Lending products such as Personal Loans, Business Loans, Home Loans, and SME Lending.
• Experience in Functional Testing, SIT, Regression Testing, and UAT.
• Ability to validate credit policies, eligibility rules, scorecards, and decisioning logic.
• Strong SQL and Database Testing skills.
• Exposure to API Testing using Postman or similar tools.
• Experience with Agile methodology and defect tracking tools like JIRA.

Responsibilities

• Perform end-to-end testing of Credit Risk and Lending applications.
• Validate credit assessment workflows, decisioning engines, and BRE rules.
• Test loan origination, underwriting, approval, disbursement, and customer onboarding journeys.
• Execute test cases, analyze defects, and coordinate with development and business teams for resolution.
• Conduct database validation and API testing for lending applications.
• Support SIT, UAT, and production release activities.

Preferred Domain Experience

• Banking & Financial Services
• Retail Lending
• Credit Risk Management
• Loan Origination & Underwriting
• Decisioning and Rule Engine Platforms

Mandatory Skills: Crismac, Credit Risk, Credit Assessment, Lending, Decisioning, BRE

Location: Mumbai

Notice Period: Immediate to 30 Days Preferred.

Experience: 3-8 Years