Team Leader - Credit Operations

Location:
Bangalore - 560103

Shift Timing:
9:30 PM 6:30 AM (US Shift)
Cab facility provided

Job Title: Team Leader Credit Operations

Job Summary

We are looking for an experienced and detail-oriented Team Leader – Credit Operations to manage and oversee loan origination, processing, and documentation activities. This role involves leading a team, ensuring compliance with credit guidelines, and driving operational efficiency while maintaining high-quality standards across all loan files.

Key Responsibilities

1. Credit Review & Documentation

• Review loan applications and supporting documents to ensure completeness, accuracy, and compliance with credit and program guidelines.
• Collect, validate, and organize borrower documentation such as financial statements, tax returns, ownership records, and insurance papers.
• Identify and reconcile inconsistencies across documents (e.g., ownership details, revenue figures, entity names, and addresses), escalating discrepancies when required.
• Prepare loan files for underwriting submission and closing using standardized checklists and quality control measures.

2. Team Leadership

• Lead, mentor, and manage a team of loan processing and origination specialists.
• Set clear performance expectations and ensure consistent delivery of high-quality output.
• Foster a positive, collaborative, and performance-driven work environment.

3. Loan Origination & Processing

• Oversee the end-to-end loan origination and processing lifecycle.
• Ensure adherence to company policies, regulatory requirements, and credit guidelines.
• Monitor loan pipelines, identify bottlenecks, and proactively resolve issues to maintain turnaround times.

4. Stakeholder Collaboration

• Coordinate with Sales, Underwriting, and Closing teams to address documentation gaps and ensure smooth file progression.
• Act as a key point of contact for internal stakeholders on credit operations matters.

5. Compliance & Quality Assurance

• Ensure all loan documentation meets regulatory and internal compliance standards.
• Stay updated with industry trends, lending laws, and regulatory changes.
• Partner with compliance teams to maintain adherence to policies and procedures.

6. Reporting & Performance Management

• Track team performance metrics and prepare reports for senior management.
• Analyze operational data to identify improvement areas and implement process enhancements.

7. Customer Experience

• Ensure a seamless borrower experience by addressing queries and resolving issues promptly.
• Maintain clear and professional communication throughout the loan lifecycle.

8. Systems & Record Management

• Maintain accurate records, updates, and notes in CRM and Loan Origination Systems (LOS).
• Ensure proper documentation and audit readiness at all times.

9. Training & Development

• Conduct onboarding and training sessions for new hires.
• Drive continuous learning and skill development within the team through coaching and knowledge sharing.

Qualifications & Skills

• Minimum 5 years of experience in U.S Credit Operations, Loan Origination, Processing, and Documentation.
• Minimum 1 year of experience as a Team Leader (official designation/on papers is mandatory).
• Willingness to work Night Shifts (US Shift) and Work From Office (WFO).
• Strong understanding of lending practices, credit policies, and compliance requirements.
• Proven experience in team leadership and people management.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and stakeholder management abilities.
• Ability to manage multiple priorities in a fast-paced environment.

Key Competencies

• Attention to Detail
• Leadership & Team Management
• Process Improvement Mindset
• Risk & Compliance Awareness
• Customer-Centric Approach

Note

The selected candidate will play a critical role in strengthening credit operations, improving process efficiency, and ensuring high-quality loan processing standards at R Systems.