3 Credit Decisioning Jobs

Job Title: Rule Engine Manager Location: Mumbai Company: An Emerging NBFC Based in Mumbai Department: Credit Risk & Technology Reports to: Head of Credit Risk / Chief Technology Officer Business NeedAn emerging NBFC based in Mumbai is looking for an experienced and driven Rule Engine Manager to lead the end-to-end implementation, configuration, and management of its credit decision rule engine across a diverse suite of lending products, including: - Loan Against Property (LAP) - Working Capital Loans - Term Loans - Personal Loans - Loan Against Securities This role is central to digitizing and optimizing the NBFCs credit decision-making through automation, governance, and integration with broader technology systems.Key Responsibilities1. Rule Engine Implementation & Configuration: Lead the design and implementation of a centralized rule engine aligned with multiple product-specific credit risk policies. 2. Risk Policy Translation: Translate complex credit policies across various products into executable and scalable rule logic. 3. Data Integration & Management: Manage seamless real-time data integration between the rule engine, Loan Management System (LMS), and other technology platforms. 4. Testing & Quality Assurance: Build and execute test scenarios and validation protocols to ensure precision and stability of automated decisioning. 5. Monitoring & Maintenance: Continuously monitor rule effectiveness and accuracy across all products and refine rule sets. 6. Governance, Compliance & Audit: Maintain complete audit trail and version history of all rule changes and ensure alignment with RBI regulations. 7. Stakeholder Collaboration: Collaborate with Credit, Product, Technology, Risk, and Compliance teams to align logic and implementation. Key Skills and Experience Required - Bachelors or Master’s degree in Finance, Engineering, Computer Science, or a related field. - In-depth understanding of credit underwriting across various loan products. - Experience with rule engine platforms such as FICO Blaze, Experian PowerCurve, Pega, etc. - Strong knowledge of API integration, data flows, and data mapping techniques. - Good understanding of RBI’s regulatory framework for NBFCs and digital lending. - Strong analytical, problem-solving, and stakeholder management skills. Preferred Experience 5–8 years of experience in credit risk automation, rule engine management, or digital lending within NBFCs, fintechs, or banks. Prior implementation experience in multi-product lending environments is highly desirable. Why Join Us? Join a forward-looking, digitally driven NBFC that is transforming access to credit through smart, scalable automation. This role offers the opportunity to design and operationalize the credit engine powering multiple high-impact lending products across India.

Candidate with 12+ years of experience in Corporate & Commercial Lending FIG/Corporate & Investment Banking. Underwriting & Credit report/Credit Review/ Credit approval authority fo r Corporate Loans is a must. Credit Underwriting Credit Risk Management and understanding of financial statement Credit Review Credit Risk Analysis / Underwriting is must; Quality Focused and has performed quality and data analytics function. experience; in Corporate Banking, FIG/Corporate & Investment Banking with Credit Decisioning Specialist or Approval of Corporate Lines of Credit Underwrite mid to large corporate loans cases and present to senior level. Credit Decisioning and Credit Risk approvals is the key responsibility. Risk Modelling - Base Case Scenario Recessionary Case Scenario Risk Modelling and Projecting cash flow for risk rating and judging repayment capacity and risks. Good understanding of Cash flow statement analysis Income Statement Analysis and Balance Sheet to analyze Credit Quality Liquidity Leverage and Coverage etc. Ability to interpret and highlight risks and early warning signals. Relevant Knowledge and understanding of FIG Corporates Middle Market Financing Products. Strong knowledge on Global accounting standards - IFRS US GAAP Accounting and classification/ International Financial Reporting Standards. Knowledge of any one Financial Spreading tools: Moodys Risk Analyst FIS Optimist Credit lens or allied spreading tools. Flexible to work in rotational including night shifts. Location Bangalore Contact Person: Devikala Email ID-devikala@gojobs.biz

Job Purpose Manage end to end business tech transformation and enhancement projects Support business users with new implementation and enhancements Analyze application and process gaps and suggest solutions Job Responsibilities (JR): 6-8 Areas Requirement Analysis To participate in business discussion to understand the problem statement To understand the requirement and review FSD To understand and analyze the requirement and propose feasible solution with reference to Current system implementation. Documentation, Communication & Collaboration Document all details required by business in BRD. Document the end-to-end Process journey and embedded in to BRD. Arrange sign off from all stakeholders w.r.t BRD & FSD Prepare and raise FPN Effectively communicate business requirement to software development team/vendor Ensure project progress is documented on PPM / JIRA and is communicated to all stakeholders. Ensure project is on track as per the plan Testing To understand test scenarios and incorporate it in the in scope of testing To prepare traceability with respect to BRD and FSD using JIRA and Zephyr. To prepare Test case, Test plan basis the functional specifications and ensure all test scenarios are covered. To ensure that testing is performed as per test schedule. Report bugs arising during UAT to vendor / IT and ensure that the same is resolved before UAT signoff and follow escalation matrix for issue resolution To ensure post implementation testing is completed. Perform control self-assessment on continuous basis Tracking and monitoring the changes in ITPP Quality and documentation To ensure ITPP is followed for all the projects /CRs handled To do a daily control check wherever applicable. To monitor and track business / audit queries. Daily/ Weekly process report to be shared with relevant Stake holders. Training and Production movement To document & share training modules with relevant Stakeholders. To conduct training for business users and stakeholders on the projects and changes implemented Perform PIR after the enhancement is moved live Level 2 support on production issues Improvements Identify grey areas and provide recommendations. To continuously discuss with users and identify areas of improvement basis industry benchmarking and latest trends/regulations Educational Qualifications Key Skills B. Tech, B. Com, B.Sc. Thorough knowledge of SDLC, Agile and Project management. Logical and Analytical Skills Good Communication and presentation skills Domain knowledge Experience Required No. of years of experience-13-15 yrs of experience Exposure to banking preferable- Added Advantage