Lead end-to-end design of complex decision strategies and rule sets across the credit lifecycle.
Lead the design, configuration, implementation, and support of Experian PowerCurve solutions, working closely with business stakeholders, architects, developers, and delivery teams to provide credit risk, originations, or collections solutions.
Lead end-to-end PowerCurve solution delivery and implementation projects.
Gather and analyze business requirements and translate them into technical solutions.
Design collections, originations, or decisioning strategies using PowerCurve products.
Develop and configure business rules, workflows, scorecards, interfaces, and data mappings.
Support integration with APIs, databases, third-party systems, and enterprise applications.
Manage deployments, production support, issue resolution, and platform enhancements.
Coordinate with clients, business users, QA teams, and project managers.
Own scorecard/model integration (PMML) and data-attribute onboarding.
Review and approve configuration built by junior/mid analysts; conduct code/config reviews.
Work on Derived Data Script, Segmentation Tree, Logical Data Model, Logical Data Source and PCSM modules to support business
Liaise directly with client risk/credit policy owners to refine requirements.
Own release readiness — test strategy, defect triage, go-live checklist.
Contribute to platform upgrade planning and reusable component library.

Key Responsibilities

Hands-on experience in developing and implementing Credit risk strategies using Experian Powercurve products (PCO/PCSM/PCC)
Experience in Java / OOP fundamentals, SQL, APIs and SAS
Experience in Java / OOP fundamentals, SQL, APIs and SAS
Knowledge of XML's, JSON, API testing tools such as SOAP UI, Postman, Bruno etc
Experience in PMML/scorecard integration exposure and understanding of Python/R (ACE framework)
Knowledge of workflow configuration and rule engines
Experience in supporting integration testing and usage of test management and defect tracking tools such as JIRA, qTest

Skill Requirements

Hands-on experience in developing and implementing Credit risk strategies using Experian Powercurve products (PCO/PCSM/PCC)
Experience in Java / OOP fundamentals, SQL, APIs and SAS
Experience in Java / OOP fundamentals, SQL, APIs and SAS
Knowledge of XML's, JSON, API testing tools such as SOAP UI, Postman, Bruno etc
Experience in PMML/scorecard integration exposure and understanding of Python/R (ACE framework)
Knowledge of workflow configuration and rule engines
Experience in supporting integration testing and usage of test management and defect tracking tools such as JIRA, qTest

Other Requirements

AWS/cloud exposure, Spark/HDFS familiarity
Prior lead/onshore-coordination and direct client facing/interaction experience
Exposure to Agile/SAFe ceremonies and prior US banking-client experience

At HCLTech, you'll supercharge your potential. You'll find your career. And you'll find your spark. All at a place that knows that helping its customers stay on top starts by putting its people first.

HCLTech is a global technology company, home to more than 223,000 people across 60 countries, delivering industry-leading capabilities centered around digital, engineering, cloud and AI, powered by a broad portfolio of technology services and products. We work with clients across all major verticals, providing industry solutions for Financial Services, Manufacturing, Life Sciences and Healthcare, Technology and Services, Telecom and Media, Retail and CPG, and Public Services. Consolidated revenues as of 12 months ending June 2026totaled $14.8billion.

Compensation and Benefits

A candidate’s pay within the range will depend on their skills, experience, education, and other factors permitted by law. This role may also be eligible for performance-based bonuses subject to company policies. In addition, this role is eligible for the following benefits subject to company policies:

medical, dental, vision, pharmacy, life, accidental death & dismemberment, and disability insurance
employee assistance program
401(k) retirement plan
10 days of paid time off per year (some positions are eligible for need-based leave with no designated number of leave days per year)
and 10 paid holidays per year.

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