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 (India)
🏢 QualityKiosk Technologies
📍 India