Key Responsibilities

1. Strategic Leadership & Operations Management

- Lead a team of mortgage processors, credit analysts, and servicing specialists to achieve operational targets.
- Oversee endtoend workflows including intake, verifications, underwriting support, funding, and servicing activities.
- Establish performance standards, monitor KPIs, and drive continuous process improvement.
- Ensure operational readiness for audits, risk reviews, and compliance checks.
- Coach, train, and mentor team members to enhance competency and productivity.
- Coordinate closely with Credit, Risk, Sales, Legal, and Compliance teams to ensure seamless loan progression.

2. Client, Partner & Stakeholder Management

- Maintain strong working relationships with internal and external stakeholders involved in the mortgage value chain.
- Resolve loanlevel escalations, complex cases, and highpriority issues with a customercentric approach.
- Support prequalification and product suitability discussions with customerfacing teams.
- Represent Operations in governance meetings, audits, and process improvement discussions.

3. Quality Management & Process Excellence

- Establish and implement quality control (QC) and quality assurance (QA) standards across all mortgage processes.
- Conduct periodic sample reviews on income assessment, documentation, verification quality, and servicing accuracy.
- Monitor error trends, identify root causes, and drive process corrections to minimize defects.
- Lead continuous improvement initiatives based on quality insights, audit outcomes, and customer feedback.

Domain & Technical Expertise A. Banking Regulations & Compliance

- Working knowledge of retail lending regulatory frameworks including:




- KYC/AML requirements, identity verification standards, and antifraud controls
- Borrower data protection, privacy standards, and consumer fairness obligations
- Mortgage disclosure requirements, lending governance guidelines, and documentation norms
- Ability to interpret regulatory rules and incorporate them into daytoday operations smoothly.

B. Credit Review & Risk Assessment

- Ability to support credit decisioning through:
- Income verification and affordability assessment
- Financial analysis including debt ratios and collateral assessment
- Credit bureau interpretation and risk indicators
- Early warning triggers for potential delinquency
- Policy deviation handling and exception justification
- Strong collaboration with Underwriters and Risk teams to maintain loan quality and mitigate risks.

C. Loan Servicing & Lifecycle Management

- Understanding of servicing operations including:
- Repayment schedule generation, escrow/tax/insurance processing
- Customer payment handling, delinquency monitoring & collections coordination
- ARM adjustments, rate resets, and loan modifications
- Amortization schedule updates, payoff processing, and lien release
- Experience ensuring accurate and compliant servicing across borrower communications and system updates.

Qualifications & Requirements

- Bachelors degree in Finance, Business, Commerce, or a related field;
- 7–10 years of experience in mortgage banking operations, with 2–4 years in a supervisory or leadership role.
- Solid expertise in mortgage processes, regulatory compliance, credit review, and loan servicing.
- Ability to thrive in a fastpaced, highcompliance, customercentric environment.

📌 Mortgage Team Lead (Chennai)
🏢 HCLTech
📍 Chennai