Product Consultant- Islamic Lending

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