UK India Residential Mortgages and underwriting (Owner-Occupier SME)

Location: Pune

Experience

11+ years of proven experience in Credit Risk Management, preferable to have the expertise in UK Residential Mortgages and Owner-Occupier lending.

Role Purpose

The Senior Credit Risk Manager will act as the subject matter expert and stabilisation lead for the Residential Owner-Occupier mortgage portfolio. The role will provide hands-on leadership, independent challenge, underwriting expertise, quality oversight, and risk management support to improve decision quality, reduce risk events, enhance customer outcomes, and strengthen operational performance.

The successful candidate will work closely with Credit Risk, Underwriting, Operations, Quality Assurance, and Business stakeholders to address current performance challenges and establish sustainable lending practices.

Key Responsibilities

Credit Risk Leadership

- Provide expert guidance on UK residential mortgage lending and credit risk management.
- Act as the escalation point for complex credit and underwriting decisions.
- Support the review and enhancement of credit policies, underwriting standards, and risk appetite frameworks.
- Ensure lending decisions align with PRA, FCA, Consumer Duty, and internal governance requirements.

Quality Improvement & Remediation





- Conduct detailed reviews of mortgage applications, declined cases, and withdrawn mandates.
- Identify root causes of quality issues and implement corrective actions.
- Lead quality improvement initiatives aimed at achieving and sustaining target performance thresholds.
- Establish robust quality control and monitoring processes.

Risk Management

- Analyse emerging risk trends, underwriting exceptions, and operational risk events.
- Drive remediation plans to reduce risk incidents and improve portfolio performance.
- Provide independent challenge to lending decisions where appropriate.
- Monitor adherence to policy, procedures, and controls.

Transition & Stabilisation Support

- Support Residential Owner-Occupier operational transition activities.
- Provide hands-on coaching and mentoring to underwriting and assessment teams.
- Develop practical guidance and decision frameworks to improve consistency and accuracy.
- Ensure knowledge transfer and capability uplift across the broader team.

Stakeholder Management

- Partner with First Line, Credit Operations, Quality Assurance, Portfolio Management, and Second Line Risk functions.
- Present findings, recommendations, and risk assessments to senior leadership.

Influence decision-making through data-driven insights and expert judgement

📌 UK Mortgage Underwriting Specialist (Pune)
🏢 Wroots Global
📍 Pune