Credit Team Leader

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