Experience:
2–5 Years Industry: Fintech / Digital Lending Department: Credit Risk
About the Role
CarCred company operating a digital lending aggregation platform that works with multiple banks and NBFCs. We are looking for a BRE & Credit Policy Analyst to design, manage, and update our Business Rules Engine (BRE) based on lender-specific credit policies and eligibility criteria.
Key Responsibilities
• Design, configure, and maintain BRE rules for multiple lenders and loan products.
• Understand lender credit policies and convert them into system-based business rules.
• Regularly update BRE rules based on changes in lender policies and eligibility criteria.
• Coordinate with Technology, Product, Risk, and Business teams for rule implementation.
• Prepare test cases and perform UAT to ensure accurate rule execution before deployment.
• Monitor BRE outputs, identify rule errors,
and improve application eligibility and lender routing.
• Maintain documentation of credit policies, rule changes, testing, and approvals.
• Ensure adherence to defined change management and information security processes. Required Skills & Qualifications
• 2–5 years of experience in credit policy, credit risk, digital lending, or BRE management.
• Good understanding of lending products, credit underwriting, and customer eligibility criteria.
• Ability to translate credit policies into logical business rules.
• Robust analytical skills and proficiency in MS Excel.
• Experience with BRE or decision engine tools is preferred.
• Basic knowledge of SQL and UAT is an added advantage.
• Good communication, documentation, and stakeholder management skills.