SU
Credit Team Leader
Suam Global Ventures · Gurugram
Pay₹30,000–42,000a month, as listed
WhereGurugramHaryana
TypeFull time
Posted4 Nov5 days ago, via SimplyHired
Kaam checked
No fee, deposit or pay-to-apply signs
Good spoken and written English expected
Day work
No vehicle or licence needed
Skills they list75 named
Resource allocationUnderwriting verification processQuality indicator monitoringStaff performance monitoringStaff supervisionConfidential information handlingCash flow analysisTeam member evaluationPerformance coachingResource allocation planningData analysis reportingUnderwritingCompliance record maintenanceFinanceCredit risk assessmentTeam leadershipWorkflow managementStaff workload allocationOperations coordinationSpreadsheetsTeamwork allocationCoachingMentoring junior staffPortfolio credit monitoringKPI reportingEscalation managementCustomer due diligence file reviewsTask queue monitoringMetrics reportingFinancial analysisCollaboration with business operationsQuality control auditLoad allocationWorkload prioritisationTeam developmentCredit risk analysisAnalysis skillsAchieving service-level targetsQuality risk managementContinuous improvementTask prioritisationConfidential record keepingQuality improvementQuality compliance managementQuality control supervisionStakeholder reportingManagement information systemsFinancial document verificationCredit report reviewProblem identificationManagement reportingFinancial servicesFinancial regulatory complianceDue diligenceFraud prevention and detectionLoan application reviewOperational excellence initiativesData accuracy checksSuspicious activity escalationEscalation handlingInternal team coordination for issue resolutionTask assignmentProcess managementLeadershipDocumentation reviewCommunication skillsResults verificationTeam coordinationKPI analysisIssue reportingCredit analysisOperational performance reportingProgress trackingUnderwriting risk analysisQuality control sampling
About this job
About the Role
Lead the day-to-day underwriting team for small-ticket, short-tenure unsecured lending. Guide credit assessment, manage escalations and maintain consistent decision quality while meeting turnaround targets, protecting portfolio quality and supporting a positive customer experience.
Key Responsibilities
- Allocate applications, balance workloads and manage pending queues to meet team productivity and turnaround targets without compromising underwriting quality.
- Coach staff on credit assessment, verification and decision records; review team performance.
- Review complex applications, KYC documents, bank statements, income and employment details, bureau reports and repayment capacity.
- Review escalated fraud concerns and document discrepancies; arrange further verification.
- Approve or decline applications within delegated authority; refer policy deviations and cases outside assigned limits to authorised approvers.
- Use sample checks and case reviews to improve decisions, reduce rework and correct errors.
- Monitor turnaround time, productivity, approval quality, exceptions, delinquency trends and fraud outcomes; recommend corrective actions.
- Coordinate with Risk, Operations, Collections and Technology to resolve bottlenecks and improve underwriting processes using portfolio feedback.
- Implement approved credit policies and process changes; maintain decision records, confidentiality and adherence to applicable regulatory requirements.
- Report team results, emerging risks, operational insights and improvement plans to management.
Candidate Profile
- 4-7 years of credit or underwriting experience, including at least 1 year in a team leadership or supervisory role.
- Relevant experience in digital lending, personal loans, salary advances, unsecured lending, NBFCs, fintech or banking.
- Strong knowledge of KYC, bank statement analysis, income assessment, bureau interpretation, repayment capacity and fraud detection.
- Experience reviewing credit decisions, handling escalations and working within delegated approval limits.
- Ability to lead teams, resolve problems, review quality and balance speed with sound judgement.
- Working knowledge of loan origination and management systems, spreadsheet tools, MIS and portfolio performance reporting.
- Strong analytical and communication skills, attention to detail, ownership and accountability.
- Pay
- ₹30,000.00 - ₹42,000.00 per month
- Work Location
- In person
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