8 years of overall software development experience with 4 years hands-on in loan management / loan servicing platformsLoan servicing module development on enterprise LMS platformsExperience in consumer lending (personal loan, two-wheeler, auto, home loan) and/or commercial lending (SME, LAP, equipment finance, working capital)Exposure to Australian vehicle and equipment finance — chattel mortgage, finance lease, hire purchase and novated lease servicingSettlement processing, payout figure calculation and disbursement handlingRepayment schedule engine — EMI, P&I;, balloon, interest-only and irregular repayment structuresPayment processing — direct debit, ECS/NACH/auto-debit with dishonour handling and retry logicArrears and overdue management with automated dunning, escalation and hardship variationCollections workflow — bucket-wise staging, field collections, legal referral and enforcement trackingNPA classification, repossession, asset surrender and security enforcementWrite-off, provisioning, deficiency balance and recovery postingCharge and hypothecation registration, search and releaseRegulatory reporting, credit bureau integration and compliance-driven audit trail management.