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Credit Team Leader – Digital Lending

Location: Gurugram

Experience: 4–8 years

Industry: Digital Lending / Fintech / NBFC

Employment Type: Full time

About The Role

We are building a new-age, tech-led digital lending business focused on small-ticket, short-tenure unsecured loans for Indian customers.

We are a team of seasoned operators from premier institutions like IIT, NSIT, IIM, with experience working in companies like ICICI Bank, Flipkart, Airtel, Anand Rathi, Snapdeal, RBS etc. We are looking for a highly driven and detail-oriented Credit Team Leader who will be responsible for managing the underwriting process, maintaining portfolio quality, and leading a team of Credit Executives.

This is a hands-on role that requires strong underwriting expertise along with team management capabilities. The role involves reviewing complex cases, ensuring adherence to credit policies, identifying fraud trends, maintaining productivity standards, and driving high-quality credit decisions while balancing growth and risk.





The ideal candidate should come from a digital lending, instant personal loan, salary advance, short-term unsecured lending, or fintech-NBFC background and should possess strong analytical skills, risk assessment capabilities, and leadership qualities.

Key Responsibilities

• Lead and manage a team of 4–5 Credit Executives and ensure adherence to productivity and quality standards.
• Review, underwrite, and approve loan applications in accordance with company credit policies and risk parameters.
• Handle exception cases, escalations, and complex customer profiles requiring additional assessment.
• Monitor approval quality, delinquency trends, and portfolio performance to ensure healthy asset quality.
• Conduct detailed analysis of bureau reports, bank statements, salary credits, and customer profiles to assess repayment capability and creditworthiness.
• Identify fraud indicators, suspicious transactions, forged documents, and

📌 Credit Team Leader (Gurugram)
🏢 Credit91
📍 Gurugram