IT Head

Roles & Responsibilities:

The Head of IT is responsible for the overall IT strategy, digital transformation, application

management, cybersecurity, regulatory compliance, infrastructure, data management, and

technology operations supporting housing loan business activities.

The role ensures that technology enables efficient loan processing, faster customer service, secure

transactions, and compliance with applicable RBI and other regulatory requirements

IT Strategy and Digital Transformation

• Develop and implement the IT strategy aligned with the company's business objectives. Prepare the

annual IT budget, technology roadmap, and investment plans.

• Lead digital transformation initiatives across home loans, affordable housing finance, and loan against

property (LAP).Evaluate new technologies such as cloud computing, AI, automation, and data analytics.

• Improve operational efficiency through workflow automation and digital processes.

Core Banking / Loan Management Systems

Oversee implementation, maintenance, and enhancement of the Loan Management System (LMS) and related

applications.

Manage the complete loan lifecycle, including:

• Customer on-boarding and lead management. Loan origination and application processing. Credit

appraisal and underwriting.

• Sanction, documentation, and disbursement. EMI collection, repayment tracking, and loan closure.

Delinquency management, NPA tracking, and recovery.

• Ensure integration with credit bureaus, banking partners, payment gateways, CKYC, e-KYC, and other

relevant services.

• Monitor system performance, data accuracy, and application availability.

• Ensure effective integration between LMS, CRM, finance, accounting, collections, and reporting systems

IT Infrastructure and Operations

• Manage servers, networks, cloud platforms, databases, endpoints, and communication systems. Ensure

high availability of business-critical applications.

• Oversee data centres, cloud infrastructure, branch connectivity, and remote access. Establish incident,

problem, change, release, and configuration management processes.

• Define and monitor SLAs for internal IT teams and external service providers. Ensure business continuity

and disaster recovery readiness.

Information Security and Cybersecurity

• Establish and maintain the company's information security framework.

• Protect customer information, financial data, employee records, and confidential business information.

Implement identity and access management, MFA, endpoint protection, encryption, vulnerability

management, and security monitoring.

• Conduct periodic vulnerability assessments and penetration testing.Manage security incidents, cyber-risk

assessments, and remediation plans.

• Ensure appropriate controls for privileged access, third-party access, and data leakage prevention.

Oversee security awareness training and phishing prevention initiatives.

Regulatory Compliance and IT Governance

• Ensure compliance with applicable RBI directions for housing finance companies, including IT governance,

information security, cyber resilience, outsourcing, and digital lending requirements, as applicable.

• Maintain IT policies, procedures, standards, and operating guidelines.

• Coordinate regulatory inspections, internal audits, statutory audits, and information security audits.

• Track audit observations and ensure timely closure of findings. Maintain IT risk registers, compliance

evidence, and management reports.

• Ensure appropriate governance over outsourced IT services, cloud services, and third-party technology

providers.

Application Development and Management

• Manage application development, enhancements, testing, and releases.

• Ensure secure coding practices and proper change management.

• Manage APIs and integrations with fintech companies, banks, credit bureaus, and government platforms.

• Oversee UAT, regression testing, and production deployments.

• Maintain technical documentation, source code, and release approvals.

• Reduce application defects and improve system performance

Data Management, MIS and Analytics

• Ensure data quality, integrity, availability, and confidentiality. Oversee data warehouses, business

intelligence platforms, dashboards, and management information systems. Provide accurate reports for

business leaders, finance, risk, collections, and regulatory reporting.

• Support portfolio monitoring, credit-risk analytics, collections performance, and customer segmentation.

Establish data governance, retention, archival, and access-control standards.

• Enable reliable reconciliation between loan systems, accounting systems, and financial reports.

Vendor and Third-Party Management

• Evaluate and select IT vendors, technology partners, and service providers.

• Negotiate contracts, licensing terms, support arrangements, and service-level agreements.

• Monitor vendor performance, service quality, security posture, and contractual compliance. Manage

renewals, costs, and vendor-related operational risks.

• Ensure appropriate due diligence, audit rights, exit plans, and business continuity arrangements.

Team Leadership and Stakeholder Management

• Lead IT infrastructure, application support, development, cybersecurity, and data teams. Define team

responsibilities, performance objectives, and training plans.

• Coordinate with business heads, Credit, Operations, Finance, Risk, Compliance, Audit, and Collections.

Translate business requirements into technology solutions.

• Present IT performance, risk, budget, and project status to senior management and the Board or relevant

committees.

• Build a service-oriented IT culture focused on accountability and continuous improvement

Preferred candidate profile

Chennai based Candidate with Immediate Joiner

Location : Chennai

Position : Full Time

Required Experience : 10+ Years Experience

Shift Reference : Day Shift Timings (10.00 AM - 6.30 PM)

Qualification:

• Master's degree in Computer Applications (MCA), M.Tech, or MBA in Information Technology is preferred.

• Equivalent qualifications with relevant technology leadership experience may be considered.

• 12 to 18 years of overall IT experience, with at least 58 years in IT leadership or senior management roles.

• Proven experience managing end-to-end IT operations, including applications, infrastructure,

cybersecurity, IT governance, and vendor management.

Please share your Resume to hr@sasvithahome.com