Business Process Expert/ Principal Consultant | Onsite - Delaware

The ideal candidate will combine expertise in decision management, business process redesign, workflow automation, and financial services operations to help establish a scalable rule-driven architecture that enables the business to understand, manage, and simulate policy changes without relying on application code modifications. 

Key Responsibilities 

• Assess existing Credit Loss Mitigation applications and identify business rules embedded within application code, databases, integrations, and manual operational processes. 

• Create a comprehensive inventory of decision logic, eligibility criteria, exception handling, and policy enforcement rules currently distributed across multiple systems. 

• Design a target-state architecture leveraging Business Rules Management Systems (BRMS), Decision Model and Notation (DMN), and BPMN-based workflow orchestration. 

• Lead the extraction and migration of hard-coded business rules into configurable and centrally governed decision services. 

• Design business-friendly rule management capabilities that provide visibility into implemented policies and support controlled rule changes. 

• Develop BPMN workflows for key Credit Loss Mitigation processes including hardship assistance, payment arrangements, loan modifications, collections, delinquency management, and exception handling. 

• Enable business stakeholders to perform what-if analysis, policy simulations, and impact assessments without requiring application deployments. 

• Establish governance frameworks for business rules, including versioning, approval workflows, auditability, testing, and deployment controls. 

• Collaborate with business leaders, risk management teams, operations teams, compliance stakeholders, and engineering teams to validate decision models and process flows. 

• Define integration patterns between rule engines, workflow platforms, core servicing systems, customer communication channels, and enterprise data platforms. 

• Evaluate and recommend BRMS and workflow technologies, including Camunda and complementary decision management solutions. 

• Provide implementation roadmaps, migration strategies, and organizational change recommendations to support adoption of rule-driven operations. 

Must-Have Skills 

• 8+ years of experience in business process transformation, decision management, workflow automation, or enterprise architecture roles. 

• Proven experience implementing Business Rules Management Systems (BRMS) or enterprise decision management platforms – such as Camunda, Workato, Drools or Pega Decisioning. 

• Strong understanding of BPMN 2.0 workflow modelling and process orchestration. 

• Experience extracting and rationalizing business rules from legacy applications. 

• Knowledge of Decision Model and Notation (DMN) and rule governance practices. 

• Experience designing configurable decision services and business-owned rule management capabilities. 

• Strong stakeholder facilitation skills with the ability to bridge business and technology teams. 

• Experience working within highly regulated environments such as banking, lending, insurance, or financial services. 

• Ability to communicate complex decision models and workflow concepts to non-technical business stakeholders. 

Nice to Have 

• Experience with any of - Camunda, Drools, IBM ODM, Red Hat Decision Manager, FICO Blaze Advisor, or Pega Decisioning. 

• Background in Credit Loss Mitigation, Collections, Loan Servicing, Mortgage Servicing, Consumer Lending, or Risk Management. 

• Experience implementing DMN alongside BPMN workflow orchestration. 

• Knowledge of policy simulation, decision testing, and shadow-rule execution techniques. 

• Experience building rule governance frameworks for large-scale enterprise environments. 

• Familiarity with microservices architectures, event-driven systems, and API-based integration patterns. 

• Experience modernizing legacy decisioning platforms as part of digital transformation initiatives. 

Expected Outcomes 

• Business rules are fully documented, discoverable, and no longer hidden within application code. 

• Credit Loss Mitigation policies can be modified through governed rule management processes rather than software releases. 

• Business stakeholders gain visibility into decision logic and can independently perform policy simulations and what-if analysis. 

• Workflow execution becomes standardized, auditable, and measurable through BPMN-based orchestration. 

• Rule governance, compliance, and operational transparency are significantly improved across the Credit Loss Mitigation ecosystem. 

• A scalable foundation is established for future decision automation and process optimization initiatives.