Role Overview:
Define and execute the company's long-term technology roadmap and align technology strategy with business, lending and growth objectives.
Advise CEO/MD and senior management on technology investments and emerging technologies. Drive technology modernization and digital transformation.
Key Responsibilities:
- Lead technology for LOS, LMS, Collections, CRM, ERP and digital lending platforms.
- Build scalable customer onboarding and digital loan journeys.
- Manage integrations with KYC providers, credit bureaus, GSTN, banks, payment gateways and other financial APIs.
- Improve automation across loan origination, underwriting, disbursement, repayment and collections.
Architecture & Infrastructure:
- Design scalable enterprise and application architecture.
- Lead cloud strategy across AWS / Azure / GCP.
- Ensure high availability, scalability, performance and business continuity.
- Establish DevOps, CI/CD, API and microservices best practices.
Cybersecurity, Risk & Compliance:
- Ensure technology systems comply with applicable RBI IT, cybersecurity, data protection and regulatory requirements.
- Strengthen information-security controls, monitoring and audit mechanisms.
- Work closely with CISO, Risk, Compliance and Internal Audit.
- Establish effective DR, BCP and incident-response frameworks.
Data, AI & Analytics:
- Drive adoption of AI/ML, advanced analytics and automation.
- Enable data-driven credit decisioning, fraud detection and customer risk assessment.
- Build robust data platforms, dashboards and MIS systems.
Team & Vendor Management:
- Build and lead a high-performing technology organization.
- Manage engineering, infrastructure, product technology, data and IT operations teams.
- Manage technology vendors, system integrators and strategic partners.
- Define SLAs, KPIs and technology governance mechanisms.
Technology Governance & Budget:
- Own the technology budget and optimize technology expenditure.
- Establish IT governance, SDLC, project management and technology-risk frameworks.
- Ensure timely delivery of critical technology projects.
- Present technology strategy, risks and performance to senior management/Board.
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