Assistant Vice President, Specialist, Architecture-Application, Consumer Banking, Technology and Operations

Strong functional knowledge of Retail banking domain especially Digital Channels (Mobile, Internet, Whatsapp banking), Customer Onboarding journeys including KYC solutions, Aaadhar enabled payments system, retail payments, core banking (Savings accounts, FDs, Loans, etc)

Minimum 5-10 years of experience in banking technology managing design, development and delivery of technology solutions in above areas working with cross functional teams both in Waterfall and Agile model

Experience with working in a multinational bank setup and managing delivery through Regional technology teams would be a huge plus

India working experience 2-5 years (preferred)

Hands-on experience in managing Technology teams supporting banking business domains both in terms of production support / stability and partnership on new initiatives / regulatory mandates

Experience of successfully facing off to senior business leaders

Wide knowledge of current and future trends in business and technology environment

Experience creating detailed reports and giving presentations

Credit & Risk Integration Competency

Strong knowledge of embedding credit, underwriting, and fraud controls into systems, including bureau checks (CIBIL), hunter checks, CFRM workflows, and rule based decisioning engines.

Proven capability to design lending systems compliant with RBI guidelines, including KYC/CKYC, PMLA, interest computation, disclosure norms, auditability, and regulatory reporting requirements.

Experience building DIY and assisted journeys across mobile, internet banking, branch, DST/DSA, and partner led channels, ensuring seamless hand offs and straight through processing where possible.

Strong understanding of Indian lending ecosystem integrations such as credit bureaus, Account Aggregator (AA), e KYC, e Sign, document repositories, payment gateways, and fintech partners.

Expertise in technology design for loan servicing, renewals, top ups, interest accruals, DPD logic, non standard account handling, and exception management.

Capability to design lending platforms that support high transaction volumes, peak traffic, SLA driven operations, and minimal manual interventions, especially during regulatory or business peaks.

Ownership of production stability, RCA discipline, defect triage, and change governance for mission critical lending systems impacting customers, branches, and operations.

Ability to work across Product, Credit, Risk, Operations, Compliance, Vendors, and Technology teams, providing single point accountability for solution design and delivery in lending programs.

Knowledge of Retail banking Domain

Experience and Exposures to Technology Implementation in Financial Services.

Good understanding of Indian Fintech Ecosystems.

Possess Strong problem solving, analytical skills with an ability to handle multiple tasks & prioritize accordingly

Demonstrated ability to effectively communicate, trouble shoot, and problem solve with clients through out the implementation process.

Program / project management skills including vendor management, financial management, managing virtual teams, etc

Strong inter-personal & negotiation skills in dealing with multiple stakeholders

Must be flexible, adaptable and have ability to work in a fast-paced changing environment

Fundamental analytical and conceptual thinking skills

Self-Motivator and team player

Excellent documentation skills.

A track record of following through on commitments

Applications knowledge on Mobile / Internet baking solutions, KYC solutions, Lending, Wealth management and onboarding solutions.

Sound technical knowledge and experience in working with large databases (Oracle/ PostGreSQL / MariaDB)

Experience in technical implementations across Operating systems

Experience in working on Internet-based systems and Retail channels

Exposure to cloud based solution platforms, Micrsoervices, API integrations

Experience in UI / UX design, review and implementation for Retail banking customer journeys

SRE experience with exposure to toolsets for automated deployment, testing, code management, production monitoring / dashboards, etc

Competency in Microsoft applications including Word, Excel, Powerpoint and Outlook

Analyze Business Requirements.

Identify and document right platforms and systems to address the business requirements.

Collaborate with the Business & Technology platform teams to align the solution approach.

Work with App leads to optimize HLEs.

Design and document detailed E2E solution in alignment to Bank's standards and architecture.

Groom User Stories articulating Granular system changes.

Walkthrough the development teams across systems to get the build completed.

Review SIT & UAT Test Scenarios and cases to ensure system meets business requirements.

Participate in Defect triage to ensure the RCAs are comprehensive, right fixes are deployed and test cases are verified.

Live Verifications and Early life support in Production.

analyse and Own any production issues for resolution in systems across the solution.

All business units in India for application feature enhancement, support & maintenance

Internally with all IT heads, Leaders & members

International/local software developers/vendors.

Co-ordination with on-shore team to resolving the issue on-highest priority.