System Manager

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 NBFC’s credit decision-making through automation, governance, and integration with broader technology systems.

Key Responsibilities

1. Rule Engine Implementation & Configuration:

• Lead the design and implementation of a centralized rule engine aligned with multiple product-specific credit risk policies.

1. Risk Policy Translation:

• Translate complex credit policies across various products into executable and scalable rule logic.

1. Data Integration & Management:

• Manage seamless real-time data integration between the rule engine, Loan Management System (LMS), and other technology platforms.

1. Testing & Quality Assurance:

• Build and execute test scenarios and validation protocols to ensure precision and stability of automated decisioning.

1. Monitoring & Maintenance:

• Continuously monitor rule effectiveness and accuracy across all products and refine rule sets.

1. Governance, Compliance & Audit:

• Maintain complete audit trail and version history of all rule changes and ensure alignment with RBI regulations.

1. Stakeholder Collaboration:

• Collaborate with Credit, Product, Technology, Risk, and Compliance teams to align logic and implementation.

Key Skills and Experience Required

- Bachelor’s 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 Power Curve, 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, fintech, or banks. Prior implementation experience in multi-product lending environments is highly desirable.