Skills
What You’ll Do and What You’ll Bring
Key Responsibilities
Analyze and document business requirements for Home Loan and Personal Loan products.
Understand and support the complete loan lifecycle
Lead Generation
Customer Onboarding
KYC & Verification
Credit Assessment
Bureau Checks (CIBIL/Experian/Equifax)
Loan Origination
Underwriting
Approval & Sanction
Disbursement
EMI Servicing
Collections & Recovery
Loan Closure
Prepare BRD, FRD, User Stories, Process Flows, and Functional Specifications.
Conduct gap analysis and coordinate with business, product, technology, and testing teams.
Support UAT and production validation activities.
Ensure compliance with RBI guidelines and lending regulations.
Participate in requirement walkthroughs and stakeholder discussions.
Mandatory Banking Domain Knowledge
Home Loan
Mortgage Lending Process
Property Evaluation & Legal Verification
Loan-to-Value (LTV) Concepts
Home Loan Eligibility Assessment
Fixed, Floating & Hybrid Interest Rates
EMI Calculation
Balance Transfer
Top-up Loans
Foreclosure & Prepayment
Mortgage Documentation
Personal Loan
Unsecured Lending Process
Eligibility & Credit Score Assessment
Risk-Based Pricing
Personal Loan Underwriting
Instant Digital Lending Journey
Loan Disbursement Process
Collections & Delinquency Management
NPA Concepts
Required Functional Skills
Loan Origination System (LOS)
Loan Management System (LMS)
Digital Lending Platforms
Credit Bureau Integrations
KYC & AML Processes
Banking Operations
API Understanding
Functional Testing/UAT Support
Requirement Gathering
Stakeholder Management