About Vymo

Vymo is an AI-powered distribution and collections management platform used by 350,000+ users across 70+ global financial enterprises, including HDFC Bank, AIA, AXA, SBI Life, Aditya Birla Capital and Tata AIA. Backed by $45M+ from Peak XV (formerly Sequoia), Emergence Capital and Bertelsmann Investments. Recognised by Celent, Gartner and Forrester, and a Microsoft "AI for All" award winner.

About the Role

Credit decisions (approval, pricing, conditions) run on business rule engines and decision frameworks refined over decades. Vymo's agentic AI systems augment and, in some cases, replace parts of these frameworks. We need a credit decisioning expert who understands how BREs work in regulated Indian financial institutions, and who can sit between the client's risk team and Vymo's product team.

Key Responsibilities

- Client discovery: Ask targeted questions to uncover how a client's decision engine really works, including data flows, dependencies, latencies and integration needs. Turn the gaps into visual maps and engineering specifications.
- Product requirements: Translate credit policy and BRE logic into precise specs for Vymo's agentic layer, covering routing, rule execution and human-in-the-loop interventions. Map major BRE platforms (SAS, FICO, Experian) to keep the architecture accurate.
- GTM support: Join sales in high-stakes technical sessions, advise client architects and risk heads, and build assets that address platform constraints and regulatory governance.
- Industry intelligence: Track RBI changes (Model Risk Management Framework, AI explainability rules) and Indian BRE market trends,



and feed them into the product roadmap.

Candidate Profile

- Operational depth in credit decisioning from a BRE vendor (SAS, FICO, Experian), a bank or NBFC credit risk team, underwriting operations, risk consulting or a credit bureau
- Strong understanding of BRE architecture: rule authoring, versioning, testing, deployment, champion-challenger frameworks and scorecard calibration
- Working knowledge of PD / LGD / EAD, LOS integration patterns, PowerCurve, Blaze Advisor and STP rates
- Familiarity with RBI guidelines on algorithmic credit decisions, model risk, explainability and data localisation
- Ability to turn credit policy into structured rule-engine specifications
- Skeptical, evidence-driven approach: you validate with deployment logs, rule histories and exception reports, not just official diagrams
- Solid communication with senior stakeholders, and intellectual humility about the limits of your own knowledge

Skills / Keywords (for Naukri tags)

Business Rule Engine, BRE, Credit Decisioning, Credit Policy, Underwriting, FICO Blaze Advisor, Experian PowerCurve, SAS, Champion Challenger, Scorecard, PD LGD EAD, Credit Risk, LOS, STP, RBI Guidelines, Model Risk Management, Explainable AI, NBFC, Lending, SME Lending, Pre-sales, Solution Consulting, Product Requirements

Who Should Apply

Credit risk, policy or underwriting professionals from banks and NBFCs; BRE and decision-engine consultants from FICO, SAS, Experian or similar vendors; and credit bureau or risk analytics professionals who want to move into AI-led decisioning.

📌 SME Credit Decisioning & Business Rule Engine (BRE) (Mumbai)
🏢 Vymo Technologies
📍 Mumbai