Role Overview

- Own the end-to-end vision, roadmap and execution of underwriting and Loan Origination System platforms for lending institutions.

- Bring deep understanding of credit underwriting, lending workflows, financial analysis and configurable LOS design.

- Lead cross-functional delivery with Engineering, Risk, Compliance and Data Science teams.

Underwriting & Credit Responsibilities

- Understand credit-writing practices and the information needs of credit managers.

- Work with GST returns, ITRs, credit-bureau reports, financial statements and MCA AOC-4 filings.

- Interpret Ind AS, IFRS and GAAP frameworks and triangulate multiple documents and data sources for stronger credit insights.

- Support Credit Assessment Memorandums for Retail, LAP, Housing and Business Loans.

LOS Product Ownership

- Own the complete LOS lifecycle from lead creation through underwriting and disbursal.

- Define configurable workflows, rules engines, decisioning logic and product journeys.

- Manage integrations with credit bureaus, CKYC,



bank-statement systems, eSign and other third-party services.

- Translate requirements into PRDs, user stories and acceptance criteria, and drive Agile delivery, UAT and production releases.

Analytics, Compliance & Qualifications

- Partner with data teams on scorecards and analytical tools, and track approval rates, TAT, drop-offs and underwriting quality.

- Ensure RBI compliance, audit readiness and robust risk controls.

- MBA or equivalent qualification with 10-15 years of BFSI, lending or FinTech product experience.

- Hands-on LOS or underwriting-platform experience with robust communication and stakeholder-management skills.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Product Lead - Lending (Noida)
🏢 Novel Patterns
📍 Noida