Team Lead/Credit Manager

Key Responsibilities

1. Credit Operations Management

• Manage end-to-end Credit Operations activities covering KYC, CCP, credit processing, documentation, and disbursement support.
• Ensure applications are processed accurately within defined TAT and SLA.
• Monitor daily volumes, pending cases, ageing, rejections, deviations, and operational performance.
• Ensure adherence to defined SOPs, processes, and internal controls.
• Identify process gaps and implement corrective actions.
• Coordinate with Business, Credit, Risk, Compliance, Product, Technology, and other stakeholders.

2. Team Management

• Lead and manage the Credit Operations team.
• Allocate workloads and ensure optimum utilization of team resources.
• Monitor individual and team-level productivity, quality, and TAT.
• Conduct regular performance reviews and provide coaching and feedback.
• Handle escalations and ensure timely resolution of operational issues.
• Build a strong culture of accountability, quality, and process adherence.

3. KYC & Credit Process Management

• Ensure proper execution of KYC and customer verification processes as per defined guidelines.
• Monitor documentation quality and identify discrepancies.
• Ensure adherence to internal policies, SOPs, and compliance requirements.
• Understand the overall credit lifecycle, including credit assessment and basic underwriting principles.
• Coordinate with Credit/Underwriting teams on cases requiring clarification or exception handling.

Note: Hands-on Credit Underwriting experience is not mandatory, but a good working understanding of underwriting concepts and credit processes is expected.

4. MIS & Dashboard Management

• Prepare and maintain daily, weekly, and monthly MIS reports and operational dashboards using MS Excel.
• Provide meaningful insights to management based on operational data.
• Ensure accuracy and timely submission of MIS reports.
• Improve existing Excel-based MIS formats and reporting processes.

5. Advanced Excel & Data Analysis

• Should have strong hands-on experience in MS Excel.
• Ability to work with large datasets and prepare management-ready MIS and dashboards.
• Good knowledge of Pivot Tables, VLOOKUP/XLOOKUP, IF formulas, SUMIFS/COUNTIFS, conditional formatting, data validation, filters, sorting, and basic data analysis.
• Ability to identify trends, exceptions, bottlenecks, and productivity gaps from operational data.
  
  

6. Process Improvement

• Identify operational bottlenecks and recommend process improvements.
• Develop and maintain SOPs, process checklists, and workflow documentation.
• Drive initiatives to improve TAT, productivity, quality, and customer experience.
• Work with relevant teams to streamline and improve digital lending processes.

Required Experience & Skills

• 5–8 years of relevant experience, preferably in Fintech, Digital Lending, NBFC, Banking, or Financial Services.
• Strong experience in Credit Operations / Loan Operations.
• Good understanding of KYC, CCP, credit processing, documentation, and the overall credit lifecycle.
• Good conceptual understanding of Credit Underwriting; hands-on underwriting experience is not mandatory.
• Proven experience in team management and people handling.
• Strong MS Excel skills with hands-on experience in MIS and dashboard preparation.
• Good analytical and problem-solving ability.
• Strong understanding of TAT, SLA, productivity, quality, and operational controls.
• Good communication and stakeholder-management skills.
• Ability to work in a fast-paced fintech environment.

Qualification

Mandatory: Graduation in any discipline.