Job Requirements Job Title: Team Leader - Asset Digital Journeys. Department/Function: Retail Banking Operations Job Purpose: The Team Leader – Asset Digital Journeys plays a critical role in driving digital transformation across loan servicing operations within the Retail Asset Operations function. This techno-functional role bridges business needs with technology solutions, enabling front-end teams such as Business, Collections, and Customer Service to manage loan journeys, EMI collections, and service requests efficiently through digital platforms. The role demands a deep understanding of the payment’s ecosystem, including recurring payments, and strong relationships with regulatory bodies like NPCI and fintech partners to deliver best-in-class digital solutions. Roles & Responsibilities: • Lead sprint planning, project scoping, requirement definition, testing, implementation, and post-delivery monitoring to assess effectiveness. • Design and build digital workflows and systems that connect front-end and back-end operations for seamless execution. • Collaborate with business partners, OEMs (solution providers), and technology stakeholders to conceptualize and present solutions to senior management. • Drive project deliverables through the full project lifecycle including requirement gathering, documentation, testing, and final delivery. • Apply strong technical skills to integrate digital systems across multiple applications. • Manage API integrations and leverage RPA (Robotic Process Automation) where applicable. • Provide expertise in recurring payments and payment gateway (PG) systems. • Demonstrate deep knowledge of digital payment products and industry practices, including NACH, SI, Escrow, and other modes of repayment. • Maintain familiarity with NPCI digital products and their system architecture. • Understand loan systems including LOS (Loan Origination System) and LMS (Loan Management System), with experience in configurations and API integrations. • Act as a subject matter expert for projects related to recurring payments, including BRD preparation, sprint planning, system testing, and project tracking. • Utilize tools such as SAS, Visio, and PowerPoint for documentation and presentations. • Demonstrate expertise in digital integrations, NPCI products, and mandate management systems. • Work with lending platforms like Finn One or similar systems, including API integrations. • Communicate effectively with senior stakeholders and cross-functional teams. • Strong techno-functional expertise with the ability to translate business needs into technology solutions. • Proven experience in project management, especially in Agile environments. • Deep understanding of the payment's ecosystem and recurring payment mechanisms. • Familiarity with NPCI products and digital payment architectures. • Hands-on experience with loan systems (LOS/LMS) and digital integrations. • Proficiency in tools like SAS, Visio, and PowerPoint. • Excellent written and verbal communication skills. • Strong stakeholder management and leadership capabilities. Educational Qualifications: Graduation: Bachelor of Commerce (B.com) / Bachelor of Science (B.Sc) / Bachelor of Arts (BA) / Bachelor of Business & Insurance (BBI) / Bachelor of Management Studies (BMS) Post-Graduation: Master of Business Administration (MBA) / Master of Commerce (M.com) / Master of Arts (MA) Experience: 5 - 10 years of relevant experience.