16 Consumer Lending Jobs

Role & responsibilities Job Title Debt Manager Place of work – Raipur Business Unit - Retail Banking Function – Collections Flows Job Purpose: The role bearer has the responsibility to plan, organize, direct and oversee the activities of the collections department. It also includes managing the agencies associated with the company in their assigned territory. The role bearer is responsible for the efficiency and optimization of retrieving EMI from the customers and ensuring adherence to all the guidelines laid out by the bank contributing to the larger organizational objectives of the bank. Roles & Responsibilities: Responsible for managing and undertaking collections process for debts that have been assigned Regularly track the portfolio for specific buckets for the assigned area Track & control the delinquency of the area, Bucket-wise & DPD wise and focus on non-starters Responsible to allocate and achieve targets from agencies/ in house team Regularly follow up with the default customers Ensuring adherence to collection process and legal guidelines Tracing out absconded default customers and initiate recovery process Recommend for legal actions for non-recoverable cases and following up with the legal team for the closure of the cases Maintain data for administrative work related to collection such as updating delinquent account history, providing and maintaining MIS report, reviewing of collection feedback on daily, weekly & monthly basis Educational Qualifications: Graduate – Any

You are a Techno-Functional QA Engineer with 4 to 8 years of experience, specializing in the Consumer Lending domain. As a valuable member of the Quality Engineering team, your primary responsibility will be to ensure the quality and reliability of the lending platform. Your duties will include reviewing business requirements, user stories, and functional specifications related to loan products such as personal loans, credit cards, and auto loans. You will design and execute manual and automated test cases across UI, API, and backend systems. Furthermore, you will be validating end-to-end loan lifecycle workflows, including application, credit checks, approvals, disbursements, and servicing. Database testing to ensure accuracy in credit decisioning rules and risk assessment logic will also fall under your purview. Collaboration with Product and Development teams will be crucial in ensuring quality across all stages of the Software Development Life Cycle (SDLC). To excel in this role, you should have a minimum of 4-8 years of experience in software testing, including manual and automation, with at least 2 years in the consumer lending or fintech domain. A strong knowledge of credit workflows, underwriting, loan processing, and regulatory compliance such as TILA and FCRA is essential. Moreover, you should possess solid skills in API testing, SQL, and functional validation of complex financial systems. Your success in this position will be bolstered by your excellent analytical, communication, and teamwork abilities. Experience with automation frameworks like Selenium and RestAssured, exposure to Agile methodologies, and familiarity with defect tracking tools such as JIRA will be advantageous. Additionally, familiarity with credit bureaus like CIBIL and Experian, or decision engines, is considered a plus. If you are looking for a challenging yet rewarding opportunity to contribute to the quality and reliability of consumer lending platforms, this role might be the perfect fit for you.,

Job Summary Responsible for managing the day-to-day activities of the collection strategy team for merchant and consumer lending. This role requires a deep understanding of debt collection strategies across various channels (tele-calling, field, and digital), a strong grasp of collection and recovery metrics (including NPA), and the ability to analyze data to identify trends, perform root cause analysis (RCA), and drive performance improvements. The ideal candidate will be a data-driven problem solver with excellent communication and collaboration skills. Responsibilities Strategy Execution & Monitoring: Implement and monitor collection strategies across different loan products (merchant and consumer), ensuring alignment with overall business objectives. This includes optimizing strategies for different delinquency buckets. Channel Management: Oversee the performance of various collection channels (telecalling, field agents, legal, and digital channels like SMS, email, WhatsApp, in-app notifications). Analyze channel effectiveness and recommend improvements. Data Analysis & Reporting: Analyze collection performance data, identify key trends, and provide regular reports on key metrics such as roll rates, recovery rates, NPA, and collection efficiency. Develop dashboards and visualizations to track performance. Root Cause Analysis (RCA): Conduct thorough root cause analysis for missed performance targets, identify contributing factors, and recommend corrective actions. Collaborate with other teams to implement solutions. Strategy Optimization: Continuously evaluate and refine collection strategies based on data analysis, market trends, and regulatory changes. Propose and implement new strategies to improve recovery rates and reduce losses. Vendor Performance Management: Monitor their performance against agreed-upon KPIs, conduct regular reviews, and ensure compliance with company policies and regulations. Collaboration: Work closely with other teams, including product, technology, risk, and operations, to ensure seamless execution of collection strategies. Compliance: Ensure all collection activities comply with regulatory guidelines and company policies. Stay updated on changes in regulations related to debt collection. Documentation: Maintain detailed documentation of collection strategies, processes, and performance metrics. Required Skills and Experience Bachelor's degree Minimum of 6-8 years of experience in collections strategy or a related analytical role, preferably in Banking/NBFC. Strong understanding of debt collection strategies and best practices, including telecalling, field collections, legal processes, and digital collection channels. In-depth knowledge of collection and recovery metrics, including NPA, roll rates, recovery rates, and collection efficiency. Proficiency in data analysis tools and techniques Excellent analytical and problem-solving skills. Ability to identify trends, conduct RCA, and develop data-driven solutions. Strong communication and interpersonal skills. Ability to collaborate effectively with cross-functional teams. Knowledge of regulatory guidelines and compliance requirements related to debt collection. Experience with merchant lending and consumer lending is a plus. PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles) Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy Working at PhonePe is a rewarding experience! Great people, a work environment that thrives on creativity, the opportunity to take on roles beyond a defined job description are just some of the reasons you should work with us. Read more about PhonePe on our blog. Life at PhonePe PhonePe in the news

Role Summary. We are seeking a strategic and hands-on Senior Manager to lead our Fraud Strategy function. This person will own the development and performance of fraud models and scorecards, work closely with cross-functional partners to define fraud policies, and ensure effective collaboration with our fraud operations team. The ideal candidate combines strong analytical skills, a solid understanding of fraud typologies in consumer lending, and a pragmatic approach to implementation.. Key Responsibilities. Lead fraud strategy for the lending portfolio, balancing risk mitigation with customer experience and approval rates.. Develop and maintain fraud detection models and anomaly detection systems using internal and third-party data.. Manage fraud scorecard performance and recommend model improvements or policy changes as needed.. Collaborate with fraud operations to monitor real-time fraud trends and adapt policies dynamically.. Partner with product, data engineering, and external vendors to evolve fraud detection infrastructure.. Provide regular fraud performance reporting and deep dives for senior leadership. Act as subject matter expert on fraud data, model outputs, and cross-channel :. 5-8 years of experience in fraud strategy, analytics, or credit risk in financial services or fintech.. Strong understanding of identity fraud, synthetic fraud, first-party fraud, and third-party fraud patterns.. Hands-on experience with fraud models, machine learning tools, and scorecard management.. Advanced proficiency in SQL and Python for data analysis and modeling.. Experience working with third-party fraud data providers and integrating fraud rules or signals into decision engines.. Ability to communicate insights and recommendations clearly to technical and non-technical stakeholders.. Exposure to US consumer lending regulations and risk management practices preferred..

Position SPE/SME Location – Mumbai / Hyderabad Process – Escrow Description – Looking for candidates with good experience in US mortgage worked in escrow/default servicing process Shifts – US shifts / WFO Notice period – Immediate/ 1 month only

Job Summary We are seeking a highly skilled Senior Engineer - Full Stack with 8 to 12 years of experience to join our team. The ideal candidate will have extensive experience in AWS Springboot Microservices and Java. Additionally expertise in the Consumer Lending domain is mandatory. This role involves developing and maintaining robust applications that drive our consumer lending services forward. Responsibilities Develop and maintain full stack applications using Docker AWS Springboot Microservices and Java. Collaborate with cross-functional teams to design and implement scalable and efficient solutions. Ensure the performance quality and responsiveness of applications. Identify and correct bottlenecks and fix bugs. Lead the development of new features and enhancements to existing systems. Provide technical guidance and mentorship to junior engineers. Conduct code reviews to maintain code quality and ensure best practices. Implement security and data protection measures. Work closely with product managers to understand requirements and translate them into technical specifications. Participate in the entire application lifecycle focusing on coding and debugging. Optimize applications for maximum speed and scalability. Stay updated with emerging technologies and apply them to improve existing systems. Contribute to the continuous improvement of the development process. Qualifications Possess a strong understanding of Docker and containerization technologies. Demonstrate expertise in AWS and cloud computing services. Have extensive experience in Java programming languages. Show proficiency in developing Springboot Microservices. Exhibit a deep understanding of the Consumer Lending domain. Have a proven track record of delivering high-quality software solutions. Display excellent problem-solving and analytical skills. Possess strong communication and collaboration abilities. Show a commitment to continuous learning and professional development. Demonstrate the ability to work independently and as part of a team. Have experience with Agile development methodologies. Exhibit strong attention to detail and organizational skills. Show the ability to mentor and guide junior team members.

Job description Job Level- JL 2A Designation: Senior Process Executive Experience: 1-2 Years Location: Pune (Work from Office) Work Timings: US Shifts (Night Shifts) Notice Period: Immediate to 15 Days Job Description : We are seeking a highly motivated and detail-oriented individual to join our team as a Consumer Banking Specialist. As a Consumer Banking Specialist, you will be responsible for executing transactions in accordance with prescribed guidelines and timelines. Your focus will be on verifying documents, analyzing data, responding to complaints and queries, and following all predefined procedures to ensure that service level agreement (SLA) targets are met and exceeded within the established guidelines. Key Responsibilities: Execute transactions, including document verification, data analysis, and responding to complaints and queries. Follow predefined procedures to ensure adherence to guidelines and meet SLA targets. Demonstrate good knowledge of Title Review, Insurance Review, HELOC (Home Equity Line of Credit), Centralized funding, Securities secured loans, Loan Funding and disbursement process. Possess knowledge of all banking documents required for loan applications, such as Tax returns, W-2 Statements, HUD-1 , and Insurance Policies. Develop a basic understanding of the client's business and key processes to relate your work to client outcomes. Identify areas for improvement in your work area and propose new ideas to enhance efficiency and effectiveness. Set personal learning goals and actively engage in formal and informal learning mechanisms to prioritize continuous learning. Utilize analytical abilities to break down problems into constituent parts and gain a better understanding of the issues at hand. Evaluate available solution options while solving problems to make informed decisions. Demonstrate high impact communications by structuring thoughts, using simple language, and exhibiting proficiency in English. Qualifications and Skills: Bachelor's degree in a relevant field (Finance, Business Administration, Economics, etc.) or equivalent practical experience. Previous experience in consumer banking or a related field is preferred. Strong attention to detail and ability to work with complex data. Excellent communication skills, both written and verbal, with proficiency in English. Analytical mindset with the ability to think critically and problem-solve effectively. Proactive and self-motivated with a willingness to take initiative. Ability to work well in a team environment and collaborate with colleagues from diverse backgrounds. Proficiency in relevant computer applications and software.

Job description Job Level- JL 3A Designation: Process Specialist Experience: 2-4 Years Location: Pune (Work from Office) Work Timings: US Shifts (Night Shifts) Notice Period: Immediate to 15 Days Job Description : We are seeking a highly motivated and detail-oriented individual to join our team as a Consumer Banking Specialist. As a Consumer Banking Specialist, you will be responsible for executing transactions in accordance with prescribed guidelines and timelines. Your focus will be on verifying documents, analyzing data, responding to complaints and queries, and following all predefined procedures to ensure that service level agreement (SLA) targets are met and exceeded within the established guidelines. Job Responsibilities: Exceptional communication skills, including active listening, clear verbal and written communication, and the ability to convey complex ideas concisely. Knowledge on SOP and other process documents creation. Ability to effectively prioritize and execute tasks while under pressure. Deliver on day-to-day process targets in meeting Customer SLAs. Eye for detail and report out quality measures for the process, also flag key risks if any. Provide process training and refreshers to junior staff. Handle process queries and Quality Auditing, upon expertise gained and certification for the same. Key Responsibilities: Execute transactions, including document verification, data analysis, and responding to complaints and queries. Follow predefined procedures to ensure adherence to guidelines and meet SLA targets. Demonstrate good knowledge of Title Review, Insurance Review, HELOC (Home Equity Line of Credit), Centralized funding, Securities secured loans, Loan Funding and disbursement process. Possess knowledge of all banking documents required for loan applications, such as Tax returns, W-2 Statements, HUD-1 , and Insurance Policies. Develop a basic understanding of the client's business and key processes to relate your work to client outcomes. Identify areas for improvement in your work area and propose new ideas to enhance efficiency and effectiveness. Set personal learning goals and actively engage in formal and informal learning mechanisms to prioritize continuous learning. Utilize analytical abilities to break down problems into constituent parts and gain a better understanding of the issues at hand. Evaluate available solution options while solving problems to make informed decisions. Demonstrate high impact communications by structuring thoughts, using simple language, and exhibiting proficiency in English. Qualifications and Skills: Bachelor's degree in a relevant field (Finance, Business Administration, Economics, etc.) or equivalent practical experience. Previous experience in consumer banking or a related field is preferred. Strong attention to detail and ability to work with complex data. Excellent communication skills, both written and verbal, with proficiency in English. Analytical mindset with the ability to think critically and problem-solve effectively. Proactive and self-motivated with a willingness to take initiative. Ability to work well in a team environment and collaborate with colleagues from diverse backgrounds. Proficiency in relevant computer applications and software.

Job Summary The Service Delivery Manager for B&L will oversee the efficient delivery of services within the organization ensuring alignment with business objectives. With a focus on MS Excel the role requires managing operations in Asset Management and Consumer Lending. The position offers a hybrid work model with day shifts providing a balanced work-life environment. Responsibilities Manage service delivery processes to ensure they meet business requirements and customer expectations. Coordinate with various teams to streamline operations and improve service efficiency. Utilize MS Excel to analyze data and generate reports that support decision-making processes. Implement strategies to enhance service delivery and optimize resource allocation. Monitor service performance metrics and identify areas for improvement. Collaborate with stakeholders to understand their needs and tailor services accordingly. Ensure compliance with industry standards and regulations in service delivery. Develop and maintain documentation of service delivery processes and procedures. Provide training and support to team members to enhance their skills and knowledge. Facilitate communication between departments to ensure seamless service delivery. Address and resolve any issues or challenges that arise in the service delivery process. Innovate and propose solutions to improve service delivery and customer satisfaction. Evaluate the effectiveness of service delivery strategies and make necessary adjustments. Qualifications Demonstrate proficiency in MS Excel for data analysis and reporting. Possess a strong understanding of Asset Management Operations and Consumer Lending. Exhibit excellent communication and coordination skills. Show ability to work effectively in a hybrid work model. Have experience in managing service delivery in a business environment. Display problem-solving skills and adaptability to change. Understand industry standards and regulations related to service delivery.

Azure devops, AWS EKS , Terraform, Python, Kubernetes, SRE Job Summary We are seeking an experienced Infra Ops Specialist with 10 to 14 years of experience to join our team. The ideal candidate will have expertise in Kubernetes Azure DevOps AWS EKS Elastic Beanstalk Automation Python AWS GCP SRE Ansible and Terraform. This role requires a strong background in Consumer Lending. The work model is hybrid and the shift is day. No travel is required. Responsibilities Lead the design and implementation of infrastructure solutions using Kubernetes AWS EKS and Elastic Beanstalk. Oversee the deployment and management of applications using Azure DevOps and Terraform. Provide automation solutions using Python and Ansible to streamline operations. Ensure the reliability and availability of infrastructure through SRE practices. Collaborate with cross-functional teams to support Consumer Lending applications. Monitor and optimize cloud infrastructure on AWS and GCP. Develop and maintain CI/CD pipelines for efficient software delivery. Implement security best practices and compliance standards in cloud environments. Troubleshoot and resolve infrastructure issues in a timely manner. Document infrastructure configurations and operational procedures. Mentor junior team members and provide technical guidance. Stay updated with the latest industry trends and technologies. Contribute to the continuous improvement of infrastructure processes. Qualifications Must have extensive experience with Kubernetes AWS EKS and Elastic Beanstalk. Should have strong expertise in Azure DevOps and Terraform. Must be proficient in automation using Python and Ansible. Should have a solid understanding of SRE practices. Must have experience with AWS and GCP cloud platforms. Should have a background in Consumer Lending domain.

Terraform, Jenkins, Artifactory, ELK stack for monitoring, GCP cloud aware, Kubernetes, Anthos, GCP Administration Job Summary Join our dynamic team as an Infra Dev Specialist where you will leverage your expertise in Artifactory Anthos ELK Stack Kubernetes Jenkins GCP Ansible Terraform and DevOps to drive innovation in the Consumer Lending domain. With a hybrid work model and rotational shifts you will play a crucial role in optimizing infrastructure and enhancing system performance contributing to our mission of delivering exceptional financial solutions. Responsibilities Implement and manage infrastructure solutions using Artifactory Anthos and ELK Stack to ensure seamless integration and efficient operations. Collaborate with cross-functional teams to design and deploy Kubernetes clusters enhancing scalability and reliability of applications. Utilize Jenkins for continuous integration and continuous deployment processes streamlining development workflows and reducing time-to-market. Optimize cloud infrastructure on GCP ensuring cost-effective and secure solutions that align with business objectives. Develop and maintain automation scripts using Ansible and Terraform improving system provisioning and configuration management. Drive DevOps practices to enhance collaboration between development and operations teams fostering a culture of continuous improvement. Analyze and troubleshoot system issues providing timely resolutions to minimize downtime and ensure business continuity. Monitor system performance and implement enhancements to improve efficiency and user experience. Collaborate with stakeholders in the Consumer Lending domain to understand requirements and deliver tailored solutions that meet business needs. Participate in rotational shifts to provide 24/7 support ensuring high availability and reliability of infrastructure services. Contribute to the development of best practices and standards for infrastructure management promoting consistency and quality across projects. Engage in ongoing learning and development to stay updated with the latest technologies and industry trends. Support hybrid work model initiatives balancing remote and on-site work to maximize productivity and team collaboration. Qualifications Possess strong technical skills in Artifactory Anthos ELK Stack Kubernetes Jenkins GCP Ansible Terraform and DevOps essential for effective infrastructure management. Demonstrate expertise in the Consumer Lending domain understanding industry-specific requirements and challenges. Exhibit proficiency in cloud solutions particularly GCP to design and implement scalable and secure infrastructure. Showcase experience in automation tools like Ansible and Terraform crucial for efficient system provisioning and configuration. Display knowledge of DevOps practices fostering collaboration and continuous improvement within teams. Hold a minimum of 6 years and a maximum of 10 years of relevant experience ensuring a solid foundation in infrastructure development. Adapt to rotational shifts providing consistent support and maintaining high availability of services.

Terraform, Jenkins, Artifactory ,Kubernetes, GCP Job Summary Join our dynamic team as an Infra Dev Specialist where you will leverage your expertise in Artifactory Anthos ELK Stack Kubernetes Jenkins GCP Ansible Terraform and DevOps to drive innovation in the Consumer Lending domain. With a hybrid work model and rotational shifts you will play a crucial role in optimizing infrastructure and enhancing system performance contributing to our mission of delivering exceptional financial solutions. Responsibilities Implement and manage infrastructure solutions using Artifactory Anthos and ELK Stack to ensure seamless integration and efficient operations. Collaborate with cross-functional teams to design and deploy Kubernetes clusters enhancing scalability and reliability of applications. Utilize Jenkins for continuous integration and continuous deployment processes streamlining development workflows and reducing time-to-market. Optimize cloud infrastructure on GCP ensuring cost-effective and secure solutions that align with business objectives. Develop and maintain automation scripts using Ansible and Terraform improving system provisioning and configuration management. Drive DevOps practices to enhance collaboration between development and operations teams fostering a culture of continuous improvement. Analyze and troubleshoot system issues providing timely resolutions to minimize downtime and ensure business continuity. Monitor system performance and implement enhancements to improve efficiency and user experience. Collaborate with stakeholders in the Consumer Lending domain to understand requirements and deliver tailored solutions that meet business needs. Participate in rotational shifts to provide 24/7 support ensuring high availability and reliability of infrastructure services. Contribute to the development of best practices and standards for infrastructure management promoting consistency and quality across projects. Engage in ongoing learning and development to stay updated with the latest technologies and industry trends. Support hybrid work model initiatives balancing remote and on-site work to maximize productivity and team collaboration. Qualifications Possess strong technical skills in Artifactory Anthos ELK Stack Kubernetes Jenkins GCP Ansible Terraform and DevOps essential for effective infrastructure management. Demonstrate expertise in the Consumer Lending domain understanding industry-specific requirements and challenges. Exhibit proficiency in cloud solutions particularly GCP to design and implement scalable and secure infrastructure. Showcase experience in automation tools like Ansible and Terraform crucial for efficient system provisioning and configuration. Display knowledge of DevOps practices fostering collaboration and continuous improvement within teams. Hold a minimum of 6 years and a maximum of 10 years of relevant experience ensuring a solid foundation in infrastructure development. Adapt to rotational shifts providing consistent support and maintaining high availability of services.

Job Summary Responsible for managing the day-to-day activities of the collection strategy team for merchant and consumer lending. This role requires a deep understanding of debt collection strategies across various channels (tele-calling, field, and digital), a strong grasp of collection and recovery metrics (including NPA), and the ability to analyze data to identify trends, perform root cause analysis (RCA), and drive performance improvements. The ideal candidate will be a data-driven problem solver with excellent communication and collaboration skills. Responsibilities Strategy Execution & Monitoring: Implement and monitor collection strategies across different loan products (merchant and consumer), ensuring alignment with overall business objectives. This includes optimizing strategies for different delinquency buckets. Channel Management: Oversee the performance of various collection channels (telecalling, field agents, legal, and digital channels like SMS, email, WhatsApp, in-app notifications). Analyze channel effectiveness and recommend improvements. Data Analysis & Reporting: Analyze collection performance data, identify key trends, and provide regular reports on key metrics such as roll rates, recovery rates, NPA, and collection efficiency. Develop dashboards and visualizations to track performance. Root Cause Analysis (RCA): Conduct thorough root cause analysis for missed performance targets, identify contributing factors, and recommend corrective actions. Collaborate with other teams to implement solutions. Strategy Optimization: Continuously evaluate and refine collection strategies based on data analysis, market trends, and regulatory changes. Propose and implement new strategies to improve recovery rates and reduce losses. Vendor Performance Management: Monitor their performance against agreed-upon KPIs, conduct regular reviews, and ensure compliance with company policies and regulations. Collaboration: Work closely with other teams, including product, technology, risk, and operations, to ensure seamless execution of collection strategies. Compliance: Ensure all collection activities comply with regulatory guidelines and company policies. Stay updated on changes in regulations related to debt collection. Documentation: Maintain detailed documentation of collection strategies, processes, and performance metrics. Required Skills and Experience Bachelor's degree Minimum of 6-8 years of experience in collections strategy or a related analytical role, preferably in Banking/NBFC. Strong understanding of debt collection strategies and best practices, including telecalling, field collections, legal processes, and digital collection channels. In-depth knowledge of collection and recovery metrics, including NPA, roll rates, recovery rates, and collection efficiency. Proficiency in data analysis tools and techniques Excellent analytical and problem-solving skills. Ability to identify trends, conduct RCA, and develop data-driven solutions. Strong communication and interpersonal skills. Ability to collaborate effectively with cross-functional teams. Knowledge of regulatory guidelines and compliance requirements related to debt collection. Experience with merchant lending and consumer lending is a plus. PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles) Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy

Job Summary We are seeking a highly skilled Functional Architect with 8 to 12 years of experience to join our team. The ideal candidate will have extensive experience in S/4 HANA Accounts Receivables Profitability Analysis Cost Center Accounting SAP Controlling Profit Center Account Product Costing Automatic Payments and New GL. Additionally domain expertise in Consumer Lending and Retail Banking is essential. This is a hybrid work model with day shifts and no travel required. Responsibilities Seeking an experienced SAP IS Banking Loans Management Functional Consultant with a strong background in retail and commercial banking particularly in loans and mortgage operations The ideal candidate will have handson experience in a DevOps environment and be proficient in SAP Loans Management including archiving and integration aspects Key responsibilities include implementing and configuring SAP IS Banking Loans Management and collateral modules gathering and analyzing customer business requirements to design SAP solutions using standard configurations ensuring compliance with customer and Cognizants delivery standards designing developing and deploying solutions in SAP IS Banking Loans Management and working handson as a DevOps engineer The candidate should also manage client relationships influence decisionmaking deliver projects using Agile methodologies and provide expertise in SAP loans and mortgages steering client requirements towards optimal solutions Qualifications include one full life cycle implementation of SAP Loans Management experience with SAP TRBK BP Deposit Management CMS and SEPA payment processes strong knowledge of banking processes and integration aspects proven ability to work in a DevOps environment excellent client relationship and stakeholder management skills and domain experience in retail and commercial banking

Consumer Lending Default Claims US mortgage and foreclosure & loss mitigation

SUMMARY Consumer Lending JD Role:- Default Servicing and Management Specialist Location :- Chennai Notice :- Immediate to 30 Days Shift time :- Night Shift Experience:- SPE - 2-6 Years SME - 5-8 Years Skills required : We need candidates with experience in US consumer lending, including US cards or banking. US Consumer Lending - there are personal loans, educations loans, Auto loans anything non secured loans,Serving and Default servicing. Job Summary: As a Default Servicing and Management Specialist, you will be responsible for handling various aspects of default servicing and management for our client's US Consumer Loan business. This role involves working closely with the client's systems and processes to ensure accurate and timely updates related to bankruptcy, legal invoices, document management, repossession, judgment rescheduling, and lawsuit management. The ideal candidate to have experience in loan servicing, customer interaction, and legal procedures associated with loan defaults. Key Responsibilities: Collaborate with legal teams, recovery agencies, and stakeholders to resolve defaulted accounts. Support the collections process by reviewing accounts and providing recommendations for collection strategies. Work with repossession teams to recover assets (e.g., for auto-secured loans) as needed. Track borrower bankruptcy filings and update account statuses. Assist in preparing necessary documentation for legal proceedings related to default loans. Ensure all system records are accurately updated to reflect the latest status of default accounts. Maintain proper documentation for all account actions and communications. Generate reports on default loan statuses, settlements, and recovery efforts. Ensure compliance with relevant regulations and internal policies in all default servicing activities. Requirements Skills Required Fundamental understanding of loan delinquency, foreclosure, bankruptcy processes, and recovery strategies. Efficiently manage a portfolio of default loans, ensuring timely follow-ups and actions. Experience working with loan management systems to update and track defaulted loan accounts. Strong attention to detail and accuracy Excellent communication skills, both written and verbal Ability to work independently and manage loan portfolios Strong organizational and time management skills Flexible working hours required to accommodate different time zones of the employer Applies analytical skills to quickly and efficiently resolve any customer issues Maintain high-quality customer service standards Meet productivity and quality targets Collaborate with internal teams and external agencies to resolve account issues experience, including knowledge of foreclosure, bankruptcy, and consumer loans