Job Description Location: Bangalore
n Shift Timing: 9:30 PM – 6:30 AM (US Shift)
n Cab facility provided
n Experience: 6 to 10 Years
n Job Title: Team Leader - Credit Operation (US Mortgage/Loan operations)
n Job Summary
n 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.
n Key Responsibilities
n 1. Credit Review & Documentation
n n Review loan applications and supporting documents to ensure completeness, accuracy, and compliance with credit and program guidelines.
n Collect, validate, and organize borrower documentation such as financial statements, tax returns, ownership records, and insurance papers.
n Identify and reconcile inconsistencies across documents (e.g., ownership details, revenue figures, entity names, and addresses), escalating discrepancies when required.
n Prepare loan files for underwriting submission and closing using standardized checklists and quality control measures.
n n 2. Team Leadership
n n Lead, mentor, and manage a team of loan processing and origination specialists.
n Set transparent performance expectations and ensure consistent delivery of high-quality output.
n Foster a positive, collaborative, and performance-driven work environment.
n n 3. Loan Origination & Processing
n n Oversee the end-to-end loan origination and processing lifecycle.
n Ensure adherence to company policies, regulatory requirements, and credit guidelines.
n Monitor loan pipelines, identify bottlenecks, and proactively resolve issues to maintain turnaround times.
n n 4. Stakeholder Collaboration
n n Coordinate with Sales, Underwriting, and Closing teams to address documentation gaps and ensure smooth file progression.




n Act as a key point of contact for internal stakeholders on credit operations matters.
n n 5. Compliance & Quality Assurance
n n Ensure all loan documentation meets regulatory and internal compliance standards.
n Stay updated with industry trends, lending laws, and regulatory changes.
n Partner with compliance teams to maintain adherence to policies and procedures.
n n 6. Reporting & Performance Management
n n Track team performance metrics and prepare reports for senior management.
n Analyze operational data to identify improvement areas and implement process enhancements.
n n 7. Customer Experience
n n Ensure a seamless borrower experience by addressing queries and resolving issues promptly.
n Maintain clear and professional communication throughout the loan lifecycle.
n n 8. Systems & Record Management
n n Maintain accurate records, updates, and notes in CRM and Loan Origination Systems (LOS).
n Ensure proper documentation and audit readiness at all times.
n n 9. Training & Development
n n Conduct onboarding and training sessions for new hires.
n Drive continuous learning and skill development within the team through coaching and knowledge sharing.
n n Qualifications & Skills
n n Minimum 5 years of experience in Credit Operations, Loan Origination, Processing, and Documentation.
n Minimum 1 year of experience as a Team Leader (official designation/on papers is mandatory).
n Willingness to work Night Shifts (US Shift) and Work From Office (WFO).
n Strong understanding of lending practices, credit policies, and compliance requirements.
n Proven experience in team leadership and people management.
n Excellent analytical, problem-solving, and decision-making skills.
n Strong communication and stakeholder management abilities.
n Ability to manage multiple priorities in a fast-paced environment.
n n Key Competencies
n n Attention to Detail
n Leadership & Team Management
n Process Improvement Mindset
n Risk & Compliance Awareness
n Customer-Centric Approach
n

📌 Team Lead - Credit Operations (Bengaluru)
🏢 R Systems
📍 Bengaluru