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