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About the role
8+ years of overall software development experience with 4+ years hands-on in loan management / loan servicing platforms Loan servicing module development on enterprise LMS platforms Experience in consumer lending (personal loan, two-wheeler, auto, home loan) and/or commercial lending (SME, LAP, equipment finance, working capital) Exposure to Australian vehicle and equipment finance chattel mortgage, finance lease, hire purchase and novated lease servicing Settlement processing, payout figure calculation and disbursement handling Repayment schedule engine EMI, P&I, balloon, interest-only and irregular repayment structures Payment processing direct debit, ECS/NACH/auto-debit with dishonour handling and retry logic Arrears and overdue management with automated dunning, escalation and hardship variation Collections workflow bucket-wise staging, field collections, legal referral and enforcement tracking NPA classification, repossession, asset surrender and security enforcement Write-off, provisioning, deficiency balance and recovery posting Charge and hypothecation registration, search and release Regulatory reporting, credit bureau integration and compliance-driven audit trail management. 8+ years of overall software development experience with 4+ years hands-on in loan management / loan servicing platforms Loan servicing module development on enterprise LMS platforms Experience in consumer lending (personal loan, two-wheeler, auto, home loan) and/or commercial lending (SME, LAP, equipment finance, working capital) Exposure to Australian vehicle and equipment finance chattel mortgage, finance lease, hire purchase and novated lease servicing Settlement processing, payout figure calculation and disbursement handling Repayment schedule engine EMI, P&I, balloon, interest-only and irregular repayment structures Payment processing direct debit, ECS/NACH/auto-debit with dishonour handling and retry logic Arrears and overdue management with automated dunning, escalation and hardship variation Collections workflow bucket-wise staging, field collections, legal referral and enforcement tracking NPA classification, repossession, asset surrender and security enforcement Write-off, provisioning, deficiency balance and recovery posting Charge and hypothecation registration, search and release Regulatory reporting, credit bureau integration and compliance-driven audit trail management.
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