Lead - IT & Digital Transformation

At HFS, we are committed to delivering superior customer experience and operational excellence through technology. As Lead – Digital Transformation, you will drive the organization’s digital strategy, reimagining processes and solutions across the secured lending value chain. The role demands a visionary leader who can translate business needs into scalable, tech-enabled solutions while improving customer experience, productivity, compliance, and agility.

Key Responsibilities:

1. Digital Strategy & Execution:

• Design and execute a comprehensive digital roadmap for HFS, aligned to business growth and transformation priorities.
• Identify and prioritize opportunities for digitization across origination, underwriting, disbursement, collections, and servicing.

1. Process Reimagination & Automation:

• Lead process diagnostics and re-engineering exercises to reduce manual touchpoints, turnaround times (TAT), and operational risk.
• Drive implementation of workflow platforms, RPA, and digitized decision engines for faster loan processing and approvals.

1. Technology Integration & Product Digitization:

• Partner with internal IT, product, credit, and sales teams to build digital journeys across customer and employee interfaces (e.g., mobile apps, digital DSA journeys, CRM).
• Evaluate and onboard suitable tech partners / SaaS platforms for API-led integrations (e.g., for KYC, bureau, legal, valuation, etc.).

1. Data-Driven Decision Making:

• Leverage data and analytics tools to support real-time tracking, MIS dashboards, early warning systems, and risk modeling.
• Champion the use of AI/ML, OCR, and analytics for faster and smarter credit decisions.

1. Change Management & Adoption:

• Drive organization-wide adoption of digital tools through training, communication, and stakeholder engagement.
• Cultivate a digital-first mindset across functions and field teams.

1. Regulatory Compliance & Governance:

• Ensure that all digital initiatives adhere to applicable regulatory guidelines and internal compliance norms.
• Build robust controls into digital journeys to reduce fraud and enhance audit-readiness.

Key Requirements:

Education:

• B.E./B.Tech in Computer Science, Engineering or related field (mandatory).
• MBA or equivalent postgraduate qualification preferred.

Experience:

• 10–15 years of experience, with at least 5 years in leading digital initiatives in the NBFC / BFSI space.
• Strong understanding of the secured lending ecosystem, including LAP and property-backed loan processes.

Skills & Competencies:

• Expertise in process automation, digital platforms, CRM, API ecosystems, workflow tools, and mobile/web app integration.
• Experience working with fintechs and digital solution vendors.
• Strong project management, stakeholder alignment, and cross-functional leadership skills.
• Strategic thinking combined with execution orientation.

Preferred Attributes:

• Experience in rolling out digital onboarding / eKYC journeys.
• Familiarity with LOS, LMS, and CRM systems used in lending.
• Comfort with agile ways of working and digital innovation sprints.