Team Leader - Credit Operations

About This Job
R Systems
Location: Bengaluru, Karnataka, India
Work Mode: On-site
Industry: Banking,Operations Consulting,Financial Services

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 operation
s)
Job Summ
aryWe 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 fil
es.
Key Responsibili
ties1. Credit Review & Documenta
tionReview 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 measu
res.2. Team Leader
shipLead, 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 environm
ent.3. Loan Origination & Proces
singOversee 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 ti
mes.4. Stakeholder Collabora
tionCoordinate 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 matt
ers.5. Compliance & Quality Assur
anceEnsure 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 procedu
res.6. Reporting & Performance Manage
mentTrack team performance metrics and prepare reports for senior management.Analyze operational data to identify improvement areas and implement process enhanceme
nts.7. Customer Experi
enceEnsure a seamless borrower experience by addressing queries and resolving issues promptly.Maintain clear and professional communication throughout the loan lifecy
cle.8. Systems & Record Manage
mentMaintain accurate records, updates, and notes in CRM and Loan Origination Systems (LOS).Ensure proper documentation and audit readiness at all ti
mes.9. Training & Develop
mentConduct onboarding and training sessions for new hires.Drive continuous learning and skill development within the team through coaching and knowledge shar
ing.
Qualifications & S
killsMinimum 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 environ
ment.
Key Compet
enciesAttention to DetailLeadership & Team ManagementProcess Improvement MindsetRisk & Compliance AwarenessCustomer-Centric Ap
proach