Job Details:

Position    :        Head – Retail Assets Technology

Experience :       15+ Yrs

 Location: Mumbai(BKC, Mumbai); 5.5 Days WFO
Reports to: Deputy CIO (with strong business stakeholder engagement across Retail Assets: Micro Business Loans, Home Loans, Wheels/Vehicle Loans, Loan Against Property, Personal Loans, Credit Card, etc.)

 About the Role

Retail Assets franchise spans a diverse product suite and end‑to‑end lifecycle—from demand generation and lead management to digital underwriting, disbursals, servicing, and collections/recoveries. We are seeking a senior technology leader to own strategy, architecture, delivery, reliability, security, and regulatory compliance for the Retail Assets technology estate—including credit underwriting powered by FICO and a central Business Rules Engine (BRE). The role partners closely with Sales, Product, Credit, Collections, Risk, Operations, Analytics, Compliance, Finance, and Contact Center to deliver scalable growth with superior customer, employee and partner (DSA/dealer) experiences.

Scope & Current Landscape

Product Lines:

• Secured: Wheels/Vehicle Loans (new/used), Micro Business Loans/MSME, Home Loans, Loan Against Property (LAP)

• Unsecured: Personal Loans (PL), Credit Cards (including RuPay/Visa/Mastercard, tokenization/UPI on credit, EMI/conversions)

Representative Platforms/Capabilities (experience with comparable platforms welcome):

• Lead & Distribution: Lead management; DSA/dealer/sales apps; partner onboarding & payout engines using in-house apps

• Originations (LOS): eKYC/video KYC, CKYC, bureau & Account Aggregator (AA) integrations, dedupe/fraud checks, e‑sign/e‑stamp, income & bank‑statement analysis, appraisal & legal workflows, FICO decisioning, BRE policy orchestration. Multiple systems including Salesforce, Hotfoot Rapid, FICO,

• Loan/Card Management (LMS/CMS): contracts, schedules, servicing, interest/fee engines; card lifecycle (issuance, authorization, tokenization, dispute/chargeback), statementing & billing

• Collections & Recoveries: strategy engines, dialer/omni‑channel, field collections app, agency management, settlement/waiver workflows, legal & auction flows; payment collections (NACH/eNACH, UPI/BBPS, cards, PG)

• Risk, Fraud & Compliance: device/application fraud, geo/IP velocity, negative lists, AML screening, consent & privacy controls

• Data & Analytics: originations funnels & TAT, vintage/roll‑rate, PAR/DPD/NPA forecasting, collection strategy optimization, portfolio profitability, early‑warning signals

Key Responsibilities

Strategy & Roadmap

• Define and execute the roadmap for Retail Assets across LOS/LMS/CMS, underwriting (FICO + BRE), digital channels, data, and collections—aligned to growth, risk appetite, and unit economics.

• Establish target‑state reference architectures for secured and unsecured journeys, with clear domain boundaries and product‑line KPIs.

Delivery Governance

• Govern discovery‑to‑hypercare delivery across internal squads and strategic partners/SIs; drive predictable release trains via Agile/DevSecOps.

• Institutionalize secure SDLC, quality gates, automated testing, performance engineering, and DR/BCP with agreed RPO/RTO for tier‑1 platforms.

Architecture & Engineering Excellence

• Lead platform modernization to API‑first, event‑driven microservices, container orchestration, and cloud‑native services; ensure observability (APM/logs/traces), SRE practices, and SLOs for critical journeys (e.g., PL STP, CC issuance, Wheels sanction & disbursal).

• Standardize integration patterns with core banking, payments, bureaus, AA, CKYC/NSDL, DigiLocker, GSTN, MCA, e‑Sign/e‑Stamp, NPCI e‑mandates, and card networks.

Credit Underwriting & Decisioning (FICO + BRE)

• Own the end‑to‑end underwriting stack across FICO decisioning and a centralized BRE—from intake to decision, including rule/policy versioning, auditability, and rollback.

• Implement champion–challenger and A/B experimentation for rules/scorecards; manage risk‑based pricing, line assignment/management, limit increases, and cross‑sell/upsell offers.

• Ensure low‑latency decisioning with strict SLAs (p95/p99), graceful degradation, and high availability across peak volumes.

• Build a policy authoring & governance framework (change control, maker–checker, approval workflows, release calendars) with segmentation by product, geography, channel, and customer archetype.

• Integrate bureaus, AA data, device signals, income surrogates, fraud services, and alternate data into FICO/BRE, with explainability and adverse‑action reason codes for declined/conditioned decisions.

• Stand up model monitoring for drift, stability indices, Gini/KS, acceptance/bad rates, override rates, and operational metrics (decision latency, error budgets).

• Align with Model Risk Management and internal audit—documentation, validation cycles, challenger models, back‑testing, and periodic recalibration.

• Enable pre‑approved and pre‑qualified programs (PAPL/PPF) via rule packs and segment‑specific strategies, with consented data usage and opt‑outs compliant with DPDP.

Credit Cards & Unsecured

• Own issuer stack across card management, switch/authorization, tokenization, 3DS 2.x, EMV, dispute/chargeback, rewards, and UPI on credit; ensure network certifications and performance SLAs.

• Drive post‑issuance activation, EMI conversions, collections strategy, and complaint reduction.

Collections & Recoveries

• Run a modern collections decision engine with segmented strategies (soft/hard buckets), omni‑channel nudges, dialer integration, field app, legal workflows, repo/auction where applicable, and promise‑to‑pay tracking.

• Instrument portfolio early‑warning and roll‑rate dashboards; optimize allocation across in‑house/agency/ML strategies.

Data, Analytics & AI

• Partner with Data teams to enable real‑time dashboards for funnels, risk, and collections; deploy ML models for underwriting, propensity, churn, and recovery.

• Champion Generative/Agentic AI for sales enablement, QA automation, knowledge retrieval, collections scripts, and developer productivity—safely and compliantly.

Vendors & Financials

• Own vendor strategy (RFP, evaluation, commercials, SLAs, scorecards) and total cost of ownership; drive license rationalization and run‑cost optimization.

Stakeholder Management

• Be the trusted technology partner to Retail Assets business heads; translate goals into technology outcomes and measurable OKRs.

Candidate Profile

Experience

• 15–22 years in technology leadership across retail lending and/or cards at a large bank/NBFC, global bank captive, or Tier‑1 fintech/SI.

• Proven ownership of two or more large‑scale transformations (e.g., LOS/LMS modernization, credit‑card issuer stack, collections transformation, decision engine rollout with FICO/BRE).

• Hands‑on familiarity with Salesforce, FICO (e.g., Decision Management Platform/Blaze Advisor), enterprise BRE/DMN tools, LOS/LMS (e.g., FinnOne/Intellect/Newgen or equivalent), collections platforms (e.g., Credgenics or equivalent)

Technical & Domain Depth

• Architecture: high‑volume, low‑latency systems; microservices, event streams, API gateways, caching, container orchestration, observability.

• Underwriting & Risk: scorecards, policy rules, challenger‑champion, risk‑based pricing, line management, reason‑codes/explainability, and model monitoring (drift, PSI/CSI/Gini/KS).

• Security & Compliance: IAM, secrets/KMS/HSM, network segmentation/zero‑trust, secure SDLC, PCI DSS, tokenization, data masking/tokenization, consent management.

• Integrations: bureaus, AA, CKYC/NSDL, UIDAI (via licensed partners), DigiLocker, e‑Sign/e‑Stamp, NACH/eNACH, UPI/BBPS/PGs, GSTN/MCA, card networks, collections dialers/CC.

• Data: real‑time analytics, vintage & roll‑rate analysis, MDM, reconciliations, and regulatory/statutory reporting pipelines.

• AI/Automation: practical application of GenAI/Agentic AI, RPA (e.g., UiPath), and model lifecycle governance.

Leadership & Soft Skills

• Executive presence; crisp communication of trade‑offs and risk with CXO/business heads.

• Talent magnet—hire, coach, and retain strong engineering/product/data leaders.

• Commercial acumen: budgeting, vendor negotiations, outcome‑based SLAs.

Education

• B.E./B.Tech. or equivalent in Computer Science/Engineering; MBA or relevant post‑grad preferred.