Operations Team Leader

Organization: At CommBank, we never lose sight of the role we play in other people’s financial wellbeing. Our focus is to help people and businesses move forward to progress. To make the right financial decisions and achieve their dreams, targets, and aspirations. Regardless of where you work within our organisation, your initiative, talent, ideas, and energy all contribute to the impact that we can make with our work. Together we can achieve great things.

Job Title: Team Leader – Credit Underwriting

Location: Bangalore

Business & Team: Retail Operations & VERO Team

Impact & contribution: Credit analysis, decisioning, verification, monitoring throughout the credit lifecycle; the development of credit policy; or the implementation of credit strategies, including problem asset strategies; across the retail or corporate business. People management.

Roles & Responsibilities:

Team Leadership & Oversight:

• Lead and manage a team of mortgage credit underwriters.
• Monitor daily operations to ensure timely and accurate credit decisions.
• Provide training, mentoring, and performance feedback to team members.

Credit Evaluation & Approval:

• Review and approve home loan applications within delegated authority.
• Ensure thorough analysis of applicant income, property documents, credit history, and repayment capacity.
• Maintain adherence to internal credit policies and risk appetite.

Risk & Compliance Management:

• Ensure compliance with regulatory guidelines (RBI, NHB) and internal audit standards.
• Identify and mitigate risks related to borrower profiles and property valuations.
• Support internal and external audits with required documentation and clarifications.

Stakeholder Collaboration:

• Work closely with Sales, Legal, Technical Valuation, and Operations teams to streamline the underwriting process.
• Resolve queries and provide guidance on complex cases.
• Participate in credit committee discussions for high-value or exceptional cases.

Essential Skills:

• Excellent analytical and decision-making skills.
• Strong leadership and team management capabilities.
• Familiarity with credit scoring models and underwriting systems.
• Effective communication and stakeholder management.
• High attention to detail and commitment to compliance.

Educational Qualifications:

• Graduate/Postgraduate in Finance, Commerce, or related field (MBA preferred).