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.
The role requires close collaboration with business,
technology, risk, compliance, and engineering teams to build scalable fintech
products that meet regulatory requirements and deliver seamless customer
experiences.
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.
- 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
- Experience in PMG / Product Management / Platform Management
/ Mobility / Low-Code No-Code platforms.
- Strong understanding of product lifecycle management, roadmap ownership,
backlog prioritization, release planning, and stakeholder governance.
- Ability to work with engineering teams on APIs, integrations, architecture,
security, scalability, and release readiness.
- Understanding of configurable workflows, reusable components, digital journeys,
and enterprise platform products.
- Ability to connect platform capabilities with measurable business outcomes,
adoption value, and ROI.
- Strong stakeholder management, documentation, workshop facilitation, and
execution skills.
- Comfortable operating in ambiguity and bringing structure to early-stage
platform initiatives.
- Exposure to Flutter, Android/iOS, web journeys, mobility
platforms, workflow engines, API-led architecture, or customer journey
orchestration.
- Experience in productizing internal frameworks or engineering-led tools into
scalable product platforms.
- Experience in defining platform business cases, adoption metrics, cost-benefit
analysis, or productivity improvement measures.
- Completed
ownership transition.
- Approved capability document, WBS, roadmap, and GA 9.0 alignment plan.
- Defined readiness roadmap across Android, iOS, web, security, performance, and enterprise.
Benefits
Skills Required
- Experience in product management, platform management, mobility, or low-code/no-code platforms
- Strong understanding of product lifecycle management, roadmap ownership, backlog prioritization, release planning, and stakeholder governance
- Ability to work with engineering teams on APIs, integrations, architecture, security, scalability, and release readiness
- Understanding of configurable workflows, reusable components, digital journeys, and enterprise platform products
- Ability to connect platform capabilities with measurable business outcomes, adoption value, and ROI
- Strong stakeholder management, documentation, workshop facilitation, and execution skills
- Ability to operate in ambiguity and structure early-stage platform initiatives
- Exposure to Flutter, Android, iOS, web journeys, mobility platforms, workflow engines, API-led architecture, or customer journey orchestration
- Experience productizing internal frameworks or engineering-led tools into scalable product platforms
- Experience defining platform business cases, adoption metrics, cost-benefit analysis, or productivity improvement measures
- Completed ownership transition
- Approved capability document, WBS, roadmap, and GA 9.0 alignment plan
- Defined readiness roadmap across Android, iOS, web, security, performance, and enterprise
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.
