Skills
What You’ll Do and What You’ll Bring
Key Responsibilities
Gather, analyze, and document business requirements for vehicle lending products.
Understand and support the complete vehicle loan lifecycle
Lead Management
Customer Onboarding
KYC Verification
Bureau Validation
Vehicle Valuation
Credit Assessment
Loan Origination
Underwriting
Approval & Disbursement
EMI Management
Collections & Recoveries
Loan Closure
Work with business stakeholders, product owners, technology teams, and testing teams.
Support SIT/UAT and production implementation activities.
Ensure adherence to RBI guidelines and lending regulations.
Mandatory Vehicle Loan Domain Knowledge
Retail Vehicle Loans
New Car Loans
Used Car Loans
Two-Wheeler Loans
Electric Vehicle (EV) Loans
Commercial Vehicle Loans
Fleet Financing
Lending Concepts
Loan-to-Value Ratio (LTV)
Down Payment Calculation
Vehicle Valuation
Credit Score Assessment
Risk-Based Pricing
Interest Rate Calculation
EMI Computation
Hypothecation Process
Vehicle Registration (RC)
Insurance Integration
Collections & Recovery Management
NPA Management
Required Functional Skills
Loan Origination & Servicing
Loan Origination System (LOS)
Loan Management System (LMS)
Digital Lending Platforms
Credit Bureau Integration
Vehicle Dealer Integration
e-KYC & CKYC
AML Compliance
Disbursement Process
Business Analysis Skills
Requirement Gathering
Process Mapping
Gap Analysis
BRD / FRD Preparation
User Story Creation
Stakeholder Management
UAT Coordination
Testing/QA Responsibilities (If Functional Tester Role)
Create Test Scenarios and Test Cases.
Validate loan application journeys.
Verify bureau check integrations.
Validate EMI and interest calculations.
Test underwriting workflows.
Test disbursement and repayment schedules.
Perform Functional, Regression, Integration and UAT Testing.
Track defects using Jira/ALM.