Team lead - credit operations

Location: Bangalore

Shift Timing: 9:30 PM – 6:30 AM (US Shift)

Cab facility provided

Experience: 6 to 10 Years

Job Title: Team Leader - Credit Operation (US Mortgage/Loan 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 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