About the Role :

AU Bank's 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.

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).

Education :

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

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.

- Drive the process automation and zero ops through Business Process Reengineering and leveraging the latest technological enhancements.

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.

Stakeholder Management :

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