Job Summary
Technology leader responsible for driving the organization’s lending technology strategy, digital transformation, and IT roadmap across Retail, MSME, and Business Lending. Own the end-to-end lending technology ecosystem including LOS, LMS, digital lending platforms, integrations, governance, and innovation initiatives while ensuring scalability, security, regulatory compliance, and business alignment.
Key Responsibilities
- Define and execute IT strategy and technology roadmap for lending businesses. Lead digital transformation initiatives across lending operations and customer journeys.
- Own and enhance Loan Origination Systems (LOS), Loan Management Systems (LMS), Collections and Recovery platforms.
- Drive enterprise architecture, application modernization, cloud adoption, API integrations, and microservices implementation.
- Partner with business leaders to deliver technology-enabled lending solutions and improve operational efficiency.
- Ensure compliance with RBI regulations, IT governance standards, cybersecurity, audit requirements, DR/BCP frameworks, and risk controls.
- Lead large technology teams, vendors, and implementation partners while managing budgets and delivery governance.
- Drive AI/ML, analytics, automation, and digital innovation initiatives within the lending ecosystem.
- Oversee vendor management, stakeholder engagement, program delivery, and service excellence.
Required Qualifications
- Bachelor's degree in Engineering, Computer Science, Information Technology, or related discipline.
- 15+ years of experience in Banking, NBFC, Financial Services, or FinTech technology environments.
- Proven experience managing LOS, LMS, Digital Lending Platforms, or Core Banking applications.
- Strong experience in IT Strategy, Technology Leadership, Digital Transformation, and Program Management.
- Experience with Enterprise Architecture, API integrations, Cloud platforms (Azure/AWS), and application modernization.
- Strong understanding of Retail Lending, MSME Lending, Business Loans, Collections, and Credit Lifecycle Management. Knowledge of RBI regulations, IT governance, information security, risk management, and audit compliance.
- Demonstrated leadership of cross-functional technology teams and vendor ecosystems.
Preferred / Additional Qualifications
- Experience as Head of IT, Business IT Lead, CTO, Technology Head, or Digital Transformation Leader. Exposure to AI/ML, Generative AI, Business Rule Engines, RPA, and Advanced Analytics.
- Experience implementing Co-Lending platforms, Digital Banking, Payments, UPI, or FinTech integrations. Certifications in Cloud, Enterprise Architecture (TOGAF), Agile/Scrum, Cybersecurity, or Project Management.
- Experience in large-scale lending transformation programs across Banks or NBFCs.
- Strong stakeholder management with CXOs, business heads, regulators, and external partners.
