Underwriter Mortgage - Team Leader

5 years

3 - 7 Lacs

Posted:1 day ago| Platform: Linkedin logo

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Work Mode

On-site

Job Type

Full Time

Job Description

About The Opportunity

A high-growth mortgage finance institution in the housing loan sector, we specialize in delivering end-to-end home financing solutions across India. Our underwriting center ensures robust credit risk assessment and regulatory compliance, enabling homebuyers to seamlessly secure their dream homes while maintaining the highest quality and turnaround standards.Role & Responsibilities
  • Lead and mentor a team of mortgage underwriters, driving performance, quality, and adherence to SLAs.
  • Oversee end-to-end loan file assessment: income analysis, property valuation, credit underwriting, and final approval recommendations.
  • Define and monitor key metrics (turnaround time, approval ratios, exceptions) and implement process improvements.
  • Ensure strict compliance with RBI regulations, internal credit policies, and audit requirements.
  • Collaborate with Sales, Operations, and Risk teams to resolve escalations and optimize loan flow.
  • Conduct regular training sessions and performance reviews to upskill underwriters and reinforce best practices.

Skills & Qualifications

  • Must-Have:
    • 5+ years of hands-on mortgage underwriting experience within home loan products.
    • 2+ years in a leadership or supervisory role managing underwriting teams.
    • In-depth knowledge of credit risk assessment, property valuation methods, and regulatory guidelines.
    • Strong proficiency in underwriting software, MIS reporting, and advanced Excel.
    • Excellent analytical, decision-making, and communication skills.
  • Preferred:
    • Exposure to automation and decision-engine platforms for loan processing.
    • Experience with lean/process-excellence initiatives in a financial services environment.
    • Professional certification in credit risk or mortgage underwriting (e.g., IIBF, NISM).
Benefits & Culture Highlights
  • On-site role offering clear career progression and leadership development opportunities.
  • Dynamic work environment with cross-functional exposure and continuous learning.
  • Competitive compensation with performance-linked incentives and comprehensive health benefits.
Skills: analytical skills,underwriting software,regulatory compliance,advanced excel,mis reporting,credit risk assessment,mortgage underwriting,credit,communication skills,decision-making,property valuation,team leadership,underwriting

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