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.

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

Nucleus is well known for identifying, nurturing, and promoting the talent and having long mutually rewarding associations with its performing associates. Our focus programs help our associates to continuously grow based on their capability, performance, and career aspirations.