Location: Bangalore

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

Cab facility provided

Experience: 7 to 10 Years

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

- 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 explicit 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

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