Sr Test Engineer

Responsibilities

• Gather, analyze, and document business requirements for vehicle lending products.
• Understand and support the complete vehicle loan lifecycle: Lead Management, Customer Onboarding, KYC Verification, Bureau Validation, Vehicle Valuation, Credit Assessment, Loan Origination, Underwriting, Approval, Disbursement, EMI Management, Collections, Recoveries, Loan Closure.
• Work with business stakeholders, product owners, technology teams, and testing teams.
• Support SIT/UAT and production implementation activities.
• Ensure adherence to RBI guidelines and lending regulations.
• Responsibilities (If Functional Tester Role): Create Test Scenarios and Test Cases. Validate loan application journeys. Verify bureau check integrations. Validate EMI and interest calculations. Test underwriting workflows. Test disbursement and repayment schedules. Perform Functional, Regression, Integration and UAT Testing. Track defects using Jira/ALM.

Requirements

• Mandatory vehicle loan domain knowledge.
• Retail vehicle loans.
• New car loans.
• Used car loans.
• Two-wheeler loans.
• Electric vehicle (EV) loans.
• Commercial vehicle loans.
• Fleet financing.
• Lending concepts.
• Loan-to-value ratio (LTV).
• Down payment calculation.
• Vehicle valuation.
• Credit score assessment.
• Risk-based pricing.
• Interest rate calculation.
• EMI computation.
• Hypothecation process.
• Vehicle registration (RC).
• Insurance integration.
• Collections recovery management.
• NPA management.

Required Functional Skills

• Loan origination servicing.
• Loan origination system (LOS).
• Loan management system (LMS).
• Digital lending platforms.
• Credit bureau integration.
• Vehicle dealer integration.
• e-KYC.
• CKYC.
• AML compliance.
• Disbursement process.
• Business analysis skills.
• Requirement gathering.
• Process mapping.
• Gap analysis.
• BRD / FRD preparation.
• User story creation.
• Stakeholder management.
• UAT coordination.
• Testing/QA.

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