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
- Stakeholder Management

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.

📌 Sr Test Engineer (Mumbai)
🏢 QualityKiosk Technologies
📍 Mumbai