Job Title: Digital Journey Expert - Commercial Vehicle & Used Car Lending

Experience: 5 - 10 Years

Industry: NBFC / Banking / Financial Services

Domain: Commercial Vehicle & Used Car Lending

Employment Type: Full-Time

Job Summary:

We are looking for a Digital Journey Expert with strong experience in Commercial Vehicle (CV) and Used Car Lending to drive digital transformation across lending journeys. The ideal candidate will have a deep understanding of lending products, customer journeys, digital platforms and loan origination processes. The role involves designing, optimising and implementing seamless digital lending journeys, enhancing customer experience, improving operational efficiency and driving digital adoption across the loan lifecycle. The candidate will work closely with business, product, technology and operations teams to deliver innovative digital lending solutions.

Key Responsibilities:

- Design, develop and optimise end-to-end digital lending journeys for Commercial Vehicle and Used Car financing.

- Drive digital transformation initiatives across customer acquisition, loan origination, application processing, credit assessment, loan approval and disbursement.

- Identify customer and operational pain points and implement solutions to improve journey efficiency and customer experience.

- Collaborate with product, technology, credit, risk and operations teams to define digital product requirements.

- Translate business requirements into functional specifications, user stories and product enhancement roadmaps.

- Drive automation and digitisation of lending processes to reduce turnaround time (TAT) and improve operational efficiency.

- Work on digital onboarding, customer verification, document management and loan application workflows.

- Identify opportunities to leverage analytics, automation and technology to improve conversion rates and customer engagement.

- Monitor key performance indicators such as application conversion, approval rates, loan disbursement, TAT and digital adoption.

- Manage stakeholder expectations and ensure successful implementation of digital lending initiatives.

- Benchmark industry practices and identify opportunities for continuous improvement across lending journeys.

Required Skills & Qualifications:

- 5 - 10 years of experience in Digital Lending, Digital Product Management, Business Transformation or Lending Operations.

- Strong domain expertise in Commercial Vehicle (CV) and Used Car Lending.

- Experience designing and managing end-to-end digital lending journeys.

- Understanding of loan origination systems (LOS), loan management systems (LMS) and digital onboarding platforms.

- Knowledge of lending processes, credit assessment, underwriting, loan approval and disbursement.

- Experience working with cross-functional teams across business, technology, credit, risk and operations.

- Strong understanding of digital transformation, process automation and customer experience optimisation.

- Excellent analytical, problem-solving and stakeholder management skills.

Preferred Skills:

- Prior experience with NBFCs, banks or financial services organisations.

- Exposure to API integrations, digital platforms and automated lending workflows.

- Understanding of digital KYC, e-sign, document verification and credit decisioning systems.

- Experience driving product enhancements and technology-led business transformation.

Key Skills:

Digital Lending - Commercial Vehicle Finance - Used Car Finance - NBFC - Digital Transformation - Lending Journey - Loan Origination - LOS - LMS - Digital Product Management - Customer Experience - Process Automation - Credit Assessment - Underwriting