Team Leader - Credit Operations

R Systems; Bengaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Benefits offered by this job

Cab facility provided

Job summary

R Systems in Bengaluru is seeking a seasoned Team Leader for Credit Operations focused on US Mortgage/Lending. You will manage loan origination, processing, and documentation, leading a team to ensure accuracy, regulatory compliance, and timely delivery.

The role requires deep knowledge of credit guidelines and regulatory changes, plus strong stakeholder coordination with Sales, Underwriting, and Closing teams. Night shifts and WFO are expected; cab facility provided.

Qualifications

• 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.

Responsibilities

• Review loan applications and documents for completeness and compliance.
• Lead a team of loan processing and origination specialists.
• Oversee end-to-end loan origination and processing lifecycle.
• Ensure adherence to policies, regulatory requirements, and credit guidelines.
• Monitor loan pipelines, identify bottlenecks, and resolve issues to maintain turnaround times.
• Coordinate with Sales, Underwriting, and Closing teams.
• Maintain regulatory and internal compliance standards; stay updated on changes.
• Track performance metrics and prepare reports for management.
• Maintain CRM and LOS records; ensure audit readiness.
• Conduct onboarding and training for new hires.

Skills

Credit Operations

Loan Origination

Processing

Documentation

Team Leadership

Stakeholder Management

Regulatory Compliance

Job description

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

Cab facility provided

Experience: 7 to 12 Years

Job Title: Team Leader - Credit Operation (US Mortgage/Lending operation)

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
• 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