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Job Summary

Experience
• 10+ years of relevant experience in Retail Banking with strong exposure to Mortgages and Lending.
Domain & Functional Expertise
• Deep understanding of end-to-end Loan/Mortgage lifecycle: Loan Origination, Credit Assessment, Disbursements, Securitization, Account Opening, Servicing, Collections.
• Strong knowledge of regulatory frameworks: KYC, AML, Basel III, KWG, GwG, SAG.
• Proven experience in banking process analysis, optimization, and re-engineering.
Requirements Engineering & Delivery
• Extensive experience in requirements elicitation, analysis, elaboration, documentation, and communication.
• Strong stakeholder management and hands-on collaboration with business users and IT teams.
• Hands-on experience in Agile/Scrum delivery models using Jira and Confluence.
Technology Affinity
• Strong affinity with IT and digital systems.
AI & Automation (Mandatory)
• Practical experience in applying AI/GenAI to simplify and automate mortgage and lending processes.
• Experience with AI-enabled document processing (OCR/NLP), credit analysis support, KYC/AML automation, and requirements documentation.
• Ability to identify and drive AI use cases that reduce manual effort, improve turnaround time, and enhance compliance in regulated environments.
Key Competencies
• Strong analytical and problem-solving skills.
• Ability to bridge business and IT effectively.
• Structured thinking, attention to detail, and innovation mindset.

Key Responsibilities

Experience
• 10+ years of relevant experience in Retail Banking with strong exposure to Mortgages and Lending.
Domain & Functional Expertise
• Deep understanding of end-to-end Loan/Mortgage lifecycle: Loan Origination, Credit Assessment, Disbursements, Securitization, Account Opening, Servicing, Collections.




• Strong knowledge of regulatory frameworks: KYC, AML, Basel III, KWG, GwG, SAG.
• Proven experience in banking process analysis, optimization, and re-engineering.
Requirements Engineering & Delivery
• Extensive experience in requirements elicitation, analysis, elaboration, documentation, and communication.
• Strong stakeholder management and hands-on collaboration with business users and IT teams.
• Hands-on experience in Agile/Scrum delivery models using Jira and Confluence.
Technology Affinity
• Strong affinity with IT and digital systems.
AI & Automation (Mandatory)
• Practical experience in applying AI/GenAI to simplify and automate mortgage and lending processes.
• Experience with AI-enabled document processing (OCR/NLP), credit analysis support, KYC/AML automation, and requirements documentation.
• Ability to identify and drive AI use cases that reduce manual effort, improve turnaround time, and enhance compliance in regulated environments.
Key Competencies
• Strong analytical and problem-solving skills.
• Ability to bridge business and IT effectively.
• Structured thinking, attention to detail, and innovation mindset.

Skill Requirements

Experience
• 10+ years of relevant experience in Retail Banking with solid exposure to Mortgages and Lending.
Domain & Functional Expertise
• Deep understanding of end-to-end Loan/Mortgage lifecycle: Loan Origination, Credit Assessment, Disbursements, Securitization, Account Opening, Servicing, Collections.
• Strong knowledge of regulatory frameworks: KYC, AML, Basel III, KWG, GwG, SAG.
• Proven experience in banking process analysis, optimization, and re-engineering.
Requirements Engineering & Delivery
• Extensive experience in requirements elicitation, analysis, elaboration, documentation, and communication.
• Strong stakeholder management and hands-on collaboration with business users and IT teams.




• Hands-on experience in Agile/Scrum delivery models using Jira and Confluence.
Technology Affinity
• Strong affinity with IT and digital systems.
AI & Automation (Mandatory)
• Practical experience in applying AI/GenAI to simplify and automate mortgage and lending processes.
• Experience with AI-enabled document processing (OCR/NLP), credit analysis support, KYC/AML automation, and requirements documentation.
• Ability to identify and drive AI use cases that reduce manual effort, improve turnaround time, and enhance compliance in regulated environments.
Key Competencies
• Strong analytical and problem-solving skills.
• Ability to bridge business and IT effectively.
• Structured thinking, attention to detail, and innovation mindset.

Other Requirements

Experience
• 10+ years of relevant experience in Retail Banking with strong exposure to Mortgages and Lending.
Domain & Functional Expertise
• Deep understanding of end-to-end Loan/Mortgage lifecycle: Loan Origination, Credit Assessment, Disbursements, Securitization, Account Opening, Servicing, Collections.
• Solid knowledge of regulatory frameworks: KYC, AML, Basel III, KWG, GwG, SAG.
• Proven experience in banking process analysis, optimization, and re-engineering.
Requirements Engineering & Delivery
• Extensive experience in requirements elicitation, analysis, elaboration, documentation, and communication.
• Strong stakeholder management and hands-on collaboration with business users and IT teams.
• Hands-on experience in Agile/Scrum delivery models using Jira and Confluence.
Technology Affinity
• Strong affinity with IT and digital systems.
AI & Automation (Mandatory)
• Practical experience in applying AI/GenAI to simplify and automate mortgage and lending processes.
• Experience with AI-enabled document processing (OCR/NLP), credit analysis support, KYC/AML automation, and requirements documentation.
• Ability to identify and drive AI use cases that reduce manual effort, improve turnaround time, and enhance compliance in regulated environments.
Key Competencies
• Strong analytical and problem-solving skills.
• Ability to bridge business and IT effectively.
• Structured thinking, attention to detail, and innovation mindset.

📌 Business Specialist (India)
🏢 HCL Technologies
📍 India