Lead - CLOS

Location: Mumbai

Experience: 814years (with strong Commercial/SME Lending systems background)

Function: CommercialBanking Technology

Employment Type: Full-time

Reporting: Head Commercial Banking Technology (and close alignment with Business)

Role Summary

We are looking for a hands-on Tech Lead to own theCommercial Loan Origination System (CLOS) for AUs Commercial/SME lendingbusiness. The role blends solution design, engineering leadership,integrations, and vendor management to deliver a high-availability, secure, andcompliant origination platform across products such as Working Capital (CC/OD),Term Loans, WCDL, BG/LC linked limits, Supply Chain Finance, and Co-lending.

Youll partner with Credit, Risk, Operations, Business,InfoSec, and Compliance to ensure seamless STP, strong controls, and stellaruser experience from lead to disbursement.

Platforms: AU Bank uses CLOS(CredPro) for commercial lending; experience with CredPro or equivalent LOS ishighly preferred.

What Youll Do

Product Solution Ownership

Serve as platform owner for CLOSbacklog, roadmap,environment strategy, and production stability.

Translate business/credit policies into configurableworkflows, rule engines, scorecards, and maker-checker control patterns.

Drive straight-through processing (STP) for key journeys(application intake CAM underwriting sanction documentation disbursement).

Engineering Integrations

Leaddesign/implementation of APIs, microservices, and event flows integrating CLOSwith: Core Banking LMS, DMS/ECM (document generation, storage,e-stamping/e-sign), CRM, KYC/AML, Treasury/Limit systems

Bureaus(CIBIL / CRIF / Experian / Equifax) , GSTN, MCA21, CKYC, CERSAI, LEI validations

Bankstatement analyzers/Account Aggregator, valuation, legal, FI, property search,geo-tagging, site visit apps

Ensuresecure, scalable, and observable services with standardized API contracts,schema management, and versioning.

DeliveryQuality

RunAgile ceremonies; define DoR/DoD; enforce CI/CD, test automation, performancetesting, and secure SDLC.

Own SIT/UAT, release planning, cutovers, data migration,and hypercare for major programs.

Establish SRE practices: SLIs/SLOs, error budgets,incident response, root-cause analysis, and DR/BCP drills.

Risk, Security Compliance

Embed regulatory controls aligned to RBI/FEMA guidelinesfor lending, KYC/AML, CERSAI, CKYC, CKYCR, SWIFT-linked BG/LC (whereapplicable), and internal audit/ITGC requirements.

Ensure audit readiness, access reviews, config baselines,and PII protection (masking/tokenization, encryption at rest/in-transit).

Vendor Stakeholder Management

Work with product vendors/SIs (e.g., CredPro orequivalent) on fixes, upgrades, and performance tuning; manage SOWs/SLAs.

Partner with Business, Credit, Risk, Ops, Legal Compliance to prioritize features and resolve process gaps.

Must-Have Qualifications

814 years in enterprise application engineering with35+ years on Commercial/SME Lending LOS

Hands-on design/implementation of credit workflows, ruleengines, collateral covenant management, limit/line structures, andpost-sanction documentation.

Strong integration experience with Core/LMS,DMS/e-Sign/e-Stamp, Bureaus, GSTN/MCA, CKYC/CERSAI, AA/Bank statementanalyzers.

Proficiencyin API-first architecture and at least one stack: Backend: Java/Spring Boot or .NET Core microservices

Database: Oracle/SQL Server/PostgreSQL; performance tuning, indexing, query optimization

Messaging/Events: Kafka/RabbitMQ; Caching: Redis

CI/CDInfra: Git, Jenkins/Azure DevOps,Docker/Kubernetes, SonarQube, Nexus/Artifactory

Observability: ELK/EFK, Prometheus/Grafana, APM tools

Soundunderstanding of security patterns (OAuth2/OIDC, TLS, mTLS, secrets management,key rotation) and DR/BCP.