Lending Service

4 weeks ago


bangalore, India Growel Softech Ltd Full time

Role Overview: As a Domain Expert in Lending Suite with a specific focus on Loan Originations, you will be responsible for leveraging your extensive experience and expertise in Auto Loans, Home Loans, and related process areas to guide, mentor, and assist the testing team and customers in preparing and reviewing business scenarios and test scenarios. You will play a crucial role in ensuring the efficiency, accuracy, and compliance of our loan origination processes.

Key Responsibilities:

  • Subject Matter Expertise: Demonstrate in-depth knowledge and understanding of Auto Loans, Home Loans, and all process areas related to Retail Loan Originations, including Credit Evaluation, Credit Decision, Automated Decision Engine, Multiple Disbursements, and Amortization.
  • Guidance and Mentorship: Provide guidance, mentorship, and training to the testing team and customers on Retail Loan Origination processes, best practices, and industry standards.
  • External Interfaces: Experience in understanding third party service providers’ data in terms of borrower’s credit worthiness. (example: CIBIL, Credit Bureaus, Negative DBs, AML DBs, Sanction Screening………)
  • Business Scenario Preparation: Collaborate with stakeholders to prepare and review business scenarios, ensuring alignment with business objectives, regulatory requirements, and risk management practices.
  • Test Scenario Development: Assist in developing comprehensive test scenarios for Retail Loan Origination processes, covering various scenarios and use cases to validate system functionality and performance.
  • Testing Participation: Actively participate in testing activities, including test case execution, defect identification, and resolution, ensuring the accuracy and reliability of loan origination systems.
  • Process Improvement: Continuously identify opportunities for process improvement, automation, and optimization within Retail Loan Origination processes, driving efficiency and effectiveness.
  • Compliance and Risk Management: Ensure compliance with regulatory requirements, internal policies, and industry standards related to Retail Loan Origination processes, proactively identifying and mitigating risks.
  • Stakeholder Collaboration: Collaborate effectively with cross-functional teams, including business analysts, developers, testers, and stakeholders, to achieve project objectives and deliver high-quality loan origination solutions.
  • Documentation and Reporting: Maintain comprehensive documentation of Retail Loan Origination processes, business rules, test cases, and test results, and provide regular status reports to stakeholders.

Skill Sets:

  • Minimum of 8-10 years of experience in Loan Origination processes (While Retail is mandatory, Corporate will be added advantage)
  • Extensive knowledge of Credit Evaluation, Credit Decision, Automated Decision Engine, Multiple Disbursements, and Amortization processes.
  • Proven experience in guiding and mentoring teams, with strong leadership and communication skills.
  • Experience in developing and reviewing business scenarios, test scenarios, and test cases.
  • Familiarity with testing methodologies, tools, and techniques, preferably in a financial services or banking environment.
  • Strong analytical and problem-solving skills, with the ability to assess complex issues and drive effective solutions.
  • Excellent collaboration and stakeholder management skills, with the ability to work effectively in a cross-functional team environment.
  • Certification in relevant domains (e.g., Certified Mortgage Banker, Certified Credit Professional) is a plus.



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