8+ years of overall software development experience with 4+ years hands-on in loan management / loan servicing platforms Loan servicing module development on enterprise LMS platforms Experience in consumer lending (personal loan, two-wheeler, auto, home loan) and/or commercial lending (SME, LAP, equipment finance, working capital) Exposure to Australian vehicle and equipment finance — chattel mortgage, finance lease, hire purchase and novated lease servicing Settlement processing, payout figure calculation and disbursement handling Repayment schedule engine — EMI, P& I, balloon, interest-only and irregular repayment structures Payment processing — direct debit, ECS/NACH/auto-debit with dishonour handling and retry logic Arrears and overdue management with automated dunning, escalation and hardship variation Collections workflow — bucket-wise staging, field collections, legal referral and enforcement tracking NPA classification, repossession, asset surrender and security enforcement Wri...