Role Overview
We are looking for an experienced Product Consultant -Islamic Lending expert to
drive the Shariah-compliant lending solutions across Loan Origination and Loan
Management platforms. The ideal candidate will have strong expertise in Islamic
finance principles, digital lending products, and end-to-end lending lifecycle
management.
Key Responsibilities
Loan Origination System (LOS)
- Design and deliver DIY
(Do-It-Yourself) digital customer journeys enabling customers to
independently complete the entire financing application process through
web and mobile channels.
- Define Straight Through
Processing (STP) journeys to maximize automation, minimize manual
intervention, and improve approval turnaround times.
- Design configurable
eligibility, verification, underwriting, and approval workflows to achieve
high STP rates while maintaining Shariah and regulatory compliance.
- Define digital
onboarding capabilities, including eKYC, OCR, document verification,
biometric authentication, digital signatures, and consent management.
- Design omnichannel
customer journeys across branch, relationship manager, web, mobile, and
partner ecosystems.
Product Strategy & Execution
- Define an API-first
product strategy to enable seamless integration with banks, fintechs,
marketplaces, payment platforms, credit bureaus, digital identity
providers, and other ecosystem partners.
- Drive the adoption of
configurable product capabilities using business rules, workflow engines,
decision engines, and low-code/no-code configuration wherever applicable.
- Design reusable product
capabilities supporting cloud-native, microservices-based, and
event-driven architectures.
- Define product
capabilities for embedded finance and ecosystem-led lending.
Stakeholder Management
- Collaborate with
enterprise architecture, integration, and technology teams to define API
standards, integration patterns, security, and interoperability across the
lending ecosystem.
Additional Required Skills & Experience
- Strong understanding of
DIY (Do-It-Yourself) digital lending journeys and customer self-service
experiences.
- Hands-on experience
designing Straight Through Processing (STP) lending journeys with high
automation.
- Experience defining
configurable business rules, workflow engines, decision engines, and
process orchestration.
- Strong understanding of
API-first architecture, REST APIs, Open APIs, and API lifecycle
management.
- Experience working with
API gateways, integration platforms, microservices, and event-driven
architectures.
- Knowledge of digital
onboarding technologies including eKYC, OCR, digital signatures, biometric
verification, consent management, and fraud controls.
- Experience designing
omnichannel customer experiences across web, mobile, branch, and partner
channels.
- Understanding of
embedded finance, Banking-as-a-Service (BaaS), and fintech ecosystem
integrations.
- Experience working with
configurable product platforms supporting low-code/no-code
implementations.
Additional Key Competencies
- DIY Digital Customer
Journeys
- Straight Through
Processing (STP) Design
- API-First Product
Management
- Embedded Finance &
Ecosystem Integration
- Business Rules &
Workflow Design
- Digital Onboarding &
eKYC
- Product Configuration
& Process Automation
- Omnichannel Lending
Experience Design
- Microservices &
Integration Architecture
Requirements
Good command over written and verbal communication in English.
Should demonstrate Out of the Box thinking and willing to work on tight schedules
- Knowledge of Lending life cycle
Good understanding of end-to-end Loan Management Life Cycle
Good at interpersonal skills
Should have good stakeholder management skills
Detailed knowledge of Islamic Lending.
Good interpersonal skills
Benefits
Skills Required
- Strong knowledge of Islamic lending and Shariah-compliant finance principles
- Knowledge of the end-to-end lending lifecycle
- Good understanding of the complete loan management lifecycle
- Experience designing DIY digital lending journeys and customer self-service experiences
- Hands-on experience designing highly automated Straight Through Processing lending journeys
- Experience defining configurable business rules, workflow engines, decision engines, and process orchestration
- Strong understanding of API-first architecture, REST APIs, Open APIs, and API lifecycle management
- Experience with API gateways, integration platforms, microservices, and event-driven architectures
- Knowledge of digital onboarding technologies including eKYC, OCR, digital signatures, biometric verification, consent management, and fraud controls
- Experience designing omnichannel customer experiences across web, mobile, branch, and partner channels
- Understanding of embedded finance, Banking-as-a-Service, and fintech ecosystem integrations
- Experience with configurable product platforms and low-code/no-code implementations
- Good written and verbal communication in English
- Strong stakeholder management and interpersonal skills
- Ability to think outside the box and work on tight schedules
What We Do
Nucleus Software is the leading provider of lending and transaction banking solutions to the global financial services industry. Its software powers the operations of more than 200 financial institutions in 50 countries, supporting retail banking, corporate banking, cash management, internet banking, automotive finance & other business areas. FinnOne Neo™ - End-to-End Loan Lifecycle Management A comprehensive product suite built to digitize the lending operations of the global banking and financial services industry. FinnOne Neo is an agile and customer-centric platform capable of servicing the entire loan cycle. Nucleus Software’s FinnOne has been the 10 time winner World's Best Selling Lending Software. Nucleus Software's Lending Mobility Solutions enable the user to perform paperless data sourcing, revert back with application statuses, submit field investigation responses, collect upfront payments and compute repayment related calculations. The applications are based on robust platform with effective integration of security and technological aspects to cater to stringent requirements of financial institutions. Nucleus Software’s FinnAxia is a comprehensive cash management solution that caters to Global Receivables, Global Payment, Global Liquidity , e-Financial supply chain management and Business Internet Banking providing flexible, speedy & efficient execution of cash management processes. The web-enabled solution provides a competitive edge to banks and financial institutions with its seamlessly integrated modules. Acting as a powerhouse, Nucleus Software’s FinnAxia offers scalable and flexible banking solutions designed to address the dynamic business needs of the banks customers. Nucleus Software also offers solutions to customers in the areas of Managed Infrastructure services and Application Development & Maintenance.
