Rule Engine Manager

• 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.