Job Description:

BRE Lead (Technology)

Position: BRE Lead Technology

Location: Manesar, Gurugram

Industry: Banking / NBFC / FinTech

Experience: 12-18 Years

Employment Type: Full-Time

About the Role:

We are looking for an experienced BRE (Business Rule Engine) Lead Technology to drive the design, implementation, governance, and optimization of decisioning platforms and business rule engines across lending products. The role will be instrumental in translating credit policies into scalable, auditable, and automated business rules that enable efficient credit underwriting, risk management, and regulatory compliance.

The ideal candidate will have strong expertise in digital lending ecosystems, credit decisioning, policy automation, bureau integrations, and lending technology platforms.

Key Responsibilities:

1. Business Rule Engine & Decisioning Platform Management:

- Own and manage Business Rule Engine (BRE) and credit decisioning platforms across lending products.

- Translate credit policies, underwriting frameworks, and risk guidelines into scalable and automated business rules.

- Design, develop, deploy, and maintain decision strategies to improve credit approval efficiency and risk control.

- Ensure high availability, scalability, and performance of decisioning systems.

2. Rule Governance & Compliance:

- Establish robust rule governance frameworks, including maker-checker processes, version control, audit trails, and rollback mechanisms.

- Ensure compliance with RBI regulations, internal risk policies, and audit requirements.

- Drive periodic reviews and optimization of business rules to improve portfolio performance and operational efficiency.

3. System Integrations & Technology Enablement:

- Lead integrations with Loan Origination Systems (LOS), Loan Management Systems (LMS), bureau partners, KYC platforms, and third-party service providers.

- Oversee API integrations and ensure seamless data flow across lending technology platforms.

- Collaborate with technology teams to enhance system architecture and automation capabilities.

4. Cross-Functional Collaboration:

- Partner with Risk, Credit, Product, Operations, Compliance, and Technology teams to deliver lending innovations.

- Support new product launches by defining decisioning strategies and automation requirements.

- Act as a key stakeholder in digital transformation and process automation initiatives.

5. Vendor & Stakeholder Management:

- Manage relationships with bureau partners and technology vendors.

- Evaluate and implement new tools and technologies to strengthen credit decisioning capabilities.

- Coordinate with internal and external stakeholders to ensure smooth execution of projects.

Required Skills & Expertise:

Lending & Credit Domain:

- Business Rule Engine (BRE)

- Credit Decisioning Platforms

- Credit Policy & Underwriting

- Credit Risk Management

- Digital Lending

- Retail, SME, or Consumer Lending Products

- Lending Technology Platforms

- Loan Origination Systems (LOS)

- Loan Management Systems (LMS)

- Policy Automation

- Rule Governance & Version Control

- Workflow Automation

Integrations & Data Ecosystem:

- Bureau Integrations (CIBIL, Experian, Equifax, CRIF)

- KYC Integrations

- API Integrations

- Third-Party System Integrations

Compliance & Governance:

- RBI Regulations

- Audit & Compliance Frameworks

- Risk Controls & Governance

- Vendor Management

Preferred Candidate Profile:

- 12-18 years of experience in Banking, NBFC, or FinTech organizations.

- Proven experience managing BRE and decisioning platforms for lending businesses.

- Strong understanding of credit underwriting, risk management, and lending operations.

- Hands-on experience with LOS, LMS, bureau integrations, and digital lending ecosystems.

- Excellent stakeholder management and cross-functional leadership skills.

- Ability to drive large-scale technology and automation initiatives in a regulated environment.

Why Join Us?:

- Opportunity to lead critical lending decisioning and automation initiatives.

- Work with experienced leaders across risk, credit, product, and technology.

- Drive innovation that impacts millions of lending decisions.

- Be part of a fast-growing organization shaping the future of digital lending.