lending manager

HugoBank

<div>
 As the Product Lead for Lending (Consumer &amp; SME), the incumbent will lead the end-to-end strategy, design, and delivery of lending products across both individual (consumer) and business (SME) segments. The role requires a blend of strategic thinking, customer insight, technical expertise, and a deep understanding of Pakistan's lending landscape covering unsecured, secured, and digital credit propositions. The Product Lead will ensure that all lending products are designed with scalability, compliance, and customer experience in mind, supporting HugoBank's goal of becoming a lending-first digital bank.
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 <br/>
 <strong>
  Essential Duties And Responsibilities
  <br/>
  <br/>
 </strong>
 <strong>
  Product Proposition &amp; Strategy
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Define and own clear, differentiated lending propositions across Consumer and SME segments, including personal loans, credit cards, working capital finance, term loans, earned wage access (EWA), inventory finance, and invoice financing
  </li>
  <li>
   Identify and prioritize customer pain points and unmet credit needs to design scalable, compliant lending solutions aligned with HugoBank's strategic and risk objectives
  </li>
  <li>
   Ensure lending propositions drive customer lifecycle value, responsible credit usage, and financial inclusion, while supporting sustainable portfolio growth
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   <br/>
  </li>
 </ul>
 <strong>
  Product Development &amp; Lifecycle Management
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Own and manage the end-to-end lending product lifecycle, from concept and business case development through design, testing, launch, and continuous optimization
  </li>
  <li>
   Partner with Technology, Risk, Credit, Finance, and Operations teams to define and implement credit policies, business rules, customer journeys, and system configurations
  </li>
  <li>
   Lead integration and automation initiatives across the Credit Decision Engine (CDE) and Lending Management System (LMS) to enable scalable, fast, and reliable credit decisioning
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Process Optimization
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience
  </li>
  <li>
   Introduce digital credit journeys, leveraging automation and analytics to support instant or near-instant lending decisions
  </li>
  <li>
   Continuously identify bottlenecks and control gaps, implementing scalable process improvements that balance speed, risk, and regulatory compliance
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Technical &amp; Analytical Collaboration
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Work closely with Technology and Data teams to design credit workflows, decision models, APIs, and data points required for lending propositions
  </li>
  <li>
   Use analytics and portfolio insights to inform product enhancements and risk optimization
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   <br/>
  </li>
 </ul>
 <strong>
  Risk, Compliance &amp; Operations
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Ensure lending frameworks and operational processes comply with SBP and AML/CFT requirements while enabling scalable growth
  </li>
  <li>
   Work cross-functionally with Risk, Compliance, and Operations to monitor fraud and credit misuse risks in line with consumer lending policies and controls
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Cross-Functional Leadership
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Collaborate with Liabilities, Marketing, Technology, Risk, Data, and Analytics teams to deliver integrated lending and financing offerings across multiple customer segments, including Merchants
  </li>
  <li>
   Partner with Product teams to design and launch targeted financing solutions for Merchants and other priority segments, such as working capital, invoice factoring, and BNPL
  </li>
  <li>
   Leverage transactional and behavioral data in partnership with Analytics to generate insights and enable effective cross-sell and upsell of lending products across segments
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Secondary Responsibilities
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Gather market insights to identify product pain points, unmet needs, and value-added service opportunities (e.g., loyalty programs, BNPL, automated invoicing) across Merchants and other priority customer segments
  </li>
  <li>
   Conduct field visits, customer interviews, and workshops with key segments and clusters (including pharmacies, FMCG distributors, and retail hubs) to capture on-ground insights and behavioral drivers for borrowing
  </li>
  <li>
   Ensure customer insights are systematically embedded into product prioritization and roadmap decisions
  </li>
  <li>
   Continuously track global and regional lending trends, with a strong focus on digital-first propositions, to inform product evolution and competitive positioning
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Requirements
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Bachelor's degree in Business Administration, Economics, Finance, or related field
  </li>
  <li>
   5-7 years of experience in financial services, with hands-on ownership of Consumer and/or SME lending products
  </li>
  <li>
   Proven track record in designing, launching, and scaling lending propositions, including digital credit journeys, underwriting models, and lifecycle management
  </li>
  <li>
   Strong understanding of SBP lending regulations, AML/CFT, consumer protection guidelines, and their impact on product design and execution
  </li>
 </ul>
</div>


Products Lead - Lending

Montpellier Resourcing

<p><strong>Up to £80,000 plus excellent bonus and benefits</strong></p><p><strong>Please note this role is 5 days in the office. </strong></p><p>A leading, independent provider of commercial real estate, bridging finance, and buy-to-let mortgages is seeking a proactive and driven <strong>Relationship Manager</strong> to join their growing Commercial Real Estate team. The company specialises in offering tailored financial solutions to commercial real estate professionals, investors, and intermediaries. In this role, you will serve as the primary contact for a portfolio of commercial clients, driving engagement, retention, and new lending opportunities. You will work with loan management, underwriting, and business development teams to deliver an excellent client experience and ensure a smooth commercial property loan lifecycle.</p><p><strong>Duties of the Commercial Real Estate Relationship Manager to include:</strong></p><ul><li><strong>Client Relationship Management:</strong> Act as the lead point of contact for clients with commercial property portfolios, introducing them to the full scope of support available. Ensure high levels of service to secure repeat business and referrals.</li><li><strong>Identifying & Growing Lending Opportunities:</strong> Re-engage previous commercial clients to explore future funding needs, identify opportunities for refinancing or expansion within their commercial property portfolios, and transition clients between products to maximise value.</li><li><strong>Internal Collaboration:</strong> Liaise with all internal departments, including Loan Management, Legal, and Underwriting, to develop and execute relationship strategies for commercial clients. Support the Business Development team as needed.</li><li><strong>Client Experience & Continuous Improvement:</strong> Support commercial property loan cases through the underwriting process, manage client feedback to recommend service improvements, and resolve client issues professionally. Stay informed on market trends and competitor activity.</li></ul><p><strong>Requirements for the successful Commercial Real Estate Relationship Manager:</strong></p><ul><li>Proven experience in relationship management within <strong>commercial real estate lending</strong> is essential</li><li>Strong understanding of commercial loan structures, products, and the UK property finance market.</li><li>Excellent interpersonal and communication skills.</li><li>Ability to manage multiple priorities and build long-term client relationships.</li><li>Knowledge of underwriting and loan servicing processes for commercial property.</li><li>Existing network of commercial property professionals or intermediaries.</li></ul><p></p><p>This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.</p><p></p>

Commercial Real Estate Relationship Manager

Michigan Mutual, Inc.

<div><p>Job Summary</p><p>
The Correspondent Purchasing Manager is responsible for overseeing the acquisition of mortgage loans from approved correspondent sellers, ensuring loans meet investors, agency, and internal credit and compliance standards. This role manages the end-to-end loan purchase process, pricing execution, funding coordination, and seller relationship management while mitigating risk and optimizing loan profitability.</p><p></p><p><br>
Essential Duties &amp; Responsibilities</p><div><ul><li>
Manage daily loan purchase activities from correspondent sellers, including review, approval, and funding authorization</li><li>
Ensure loans meet agency (Fannie Mae, Freddie Mac, GNMA), investor, and internal underwriting guidelines prior to purchase</li><li>
Identify credit, compliance, and repurchase risks prior to loan acquisition</li><li>
Review loan files for eligibility, data accuracy, and documentation sufficiency</li><li>
Serve as primary operational contact for correspondent sellers during the purchase process; communicate purchase conditions, suspensions, and funding status clearly and professionally</li><li>
Maintain accurate pipeline and purchase reporting; Track loan aging, suspense, and outstanding purchase conditions</li><li>
Coordinate with funding, collateral, post-closing, and accounting teams to ensure timely loan purchases</li><li>
Identify opportunities to improve cycle times, reduce defects, and enhance seller experience</li><li>
Other responsibilities, as assigned.</li></ul></div><p></p><p><br>
Preferred Qualifications</p><div><ul><li>
5+ years of experience in correspondent lending, loan purchasing, or secondary marketing</li><li>
Experience in multi-state lending environments.</li><li>
Experience working within Encompass</li><li>
Strong knowledge of agency guidelines</li><li>
Advanced knowledge in Microsoft Excel</li></ul><p></p><p><br>
Preferred Education</p><div><ul><li>
Bachelor&rsquo;s degree with an emphasis in business administration, finance, or related field of study</li></ul><p></p><p><br>
Work Environment</p><p>
Work is performed within an office environment, with standard office equipment available as needed.</p><p></p><p><br>
Physical Factors</p><p>
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this Job, the employee is regularly required to sit for extended periods of time; use hands to finger, handle, or feel the computer; reach with hands and arms and talk or hear. The employee must occasionally lift and/or move up to 25 pounds.</p><p></p><p><br>
Disclaimer</p>
The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.</div></div></div>

Correspondent Purchasing Manager

Tata Capital Ltd

<div><p>To underwrite and manage the portfolio in assigned branch/location
<br>
1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
</p><p>2. Under write proposals as per the laid down policies &amp; procedure to honor the agreed SLAs and manage city/area business volumes.
</p><p>3. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field &amp; collateral visits.
</p><p>4. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
</p><p>5. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
</p><p>6. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
</p><p>7. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
</p><p>8. Exceed service quality standards and strive for continuous process improvement
</p><p>9. Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
</p><p>10. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
</p><p>11. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.
</p><p>12. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
</p><p>13. Facilitate critical review and documentation of the proposals and effectively monitor the client &amp; collateral creditworthiness from the pre-sanction to post disbursement phase &amp; undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal &amp; documentation norms &amp; policies
</p><p>14. Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
</p><p>Post Graduate/ Graduate in any discipline</p></div>

Credit Manager - Business Loans - Credit - Guwahati - Royal Arcade - JM

Gesa Credit Union

<div><h1 class="jobSectionHeader"><b>Take a leap and join our team!</b></h1><p>
At Gesa, we believe in the power of our people. Coming from all walks of life, our team members&rsquo; individual stories and unique experiences are our most valuable asset. But it&rsquo;s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.</p><p>
Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
</p><p><b>Get to know us: </b>About - Gesa Credit Union</p><p>
</p><h1 class="jobSectionHeader"><b>Role Summary:</b></h1><p>
Under the direction of the Vice President of Commercial Services, the AVP Commercial Manager/Team Leader is responsible for directing, managing, and coordinating the commercial loan, business deposit, and cash management functions of their respective team. The AVP will participate on the Gesa Leadership team and provide input on the strategic initiatives of the organization. They will coordinate the business development activities of their team and manage commercial loan relationships. The team leader will manage a group of lenders, small business development officers, and other staff as designated to grow a profitable commercial loan portfolio that is consistent with established policies, guidelines, and procedures. They make commercial loan and cash management exposure decisions according to the MBL Policies and underwriting guidelines. They will be responsible for controlling commercial loan delinquencies and charge offs and assist in portfolio management to ensure safety and soundness. Ensures the enhancement of commercial loan relationships by cross-selling business deposits and cash management products and services. Projects professional image, exercises independent judgment, and maintains confidentiality with all customer and sensitive data.
</p><p></p><h1 class="jobSectionHeader"><b>What You Will Be Doing:</b></h1><ul><li>
Maintain a highly qualified staff, sufficient to meet the daily demands of the Credit Union&rsquo;s members.</li><li>
Interview, select, train, evaluate, supervise, schedule, coach and develop team members as needed to provide responsive and professional service to our membership. Note observations of employee performance into appropriate reporting tools, as well as give to and receive feedback from employee on quarterly basis.
</li><li>Complete performance reviews within the prescribed time frame.
</li><li>Ensure the team remains in compliance with all state and federal laws and credit Union policies and procedures.
</li><li>Ensure that the team is providing friendly, professional, personal service to all members.
</li><li>Assist the Vice President in managing the Commercial Lending Department operations and administer the credit union lending policies and procedures.
</li><li>Prepare credit requests for submission to Loan Committee and approved credit submissions when appropriate.</li><li>
Identify and monitor all MBL loans and provide senior management with regular detailed reports.
</li><li>Establish production goals and provide productions reports to management.</li><li>
Attend credit union training, conferences and seminars, or professional organization events for continued professional growth.
</li><li>Maintain awareness of laws, rules, regulations, and policies and procedures which impact position duties and responsibilities.
</li><li>Maintain thorough and up-to-date knowledge of the MBLs and other investor requirements; recommend changes as necessary to the credit union policy manual.
</li><li>Provide recommendations to management of changes to products, loan policies, and procedures by following lending laws and regulations.
</li><li>Oversee financial transactions, such as draws, advances, disbursements made by Commercial Loan Servicing.
</li><li>Responsible for the business development of commercial loan relationships.
</li><li>Maintain written, telephone and personal contacts.
</li><li>Develop and maintain up-to-date knowledge of the credit union lending policies and market areas.
</li><li>Maintain historical pricing information, including all indices.
</li><li>Provide basic financial counseling when needed or requested by members.
</li><li>Participate in community activities and business development including, but not limited to, Chamber of Commerce, Board of Realtors and Homebuilders (activities that are industry related.)</li><li>
Maintain effective communication with all credit union employees to ensure coordination and exchange of information for accomplishing Credit Union goals.
</li><li>Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.
</li><li>Display leadership values such as mutual respect, trust and dignity, and act in the best interest of the credit union. Lead by example by displaying solid ethics and integrity at all times
</li><li>Control risk and operate in a safe and sound manner.
</li><li>Contribute to effective department and credit union operations by performing, special projects and other related duties as assigned.
</li><li>Provide recommendations and process improvements regarding commercial loan activity and processes.
</li></ul><p></p><h1 class="jobSectionHeader"><b>About You:</b></h1><ul><li>
Ability to multi-task on numerous projects simultaneously.</li><li>
Ability to effectively and successfully communicate, both orally and in writing.</li><li>
Ability to make quality decisions in a timely manner with extreme attention to detail.</li><li>
Ability to perform required work under limited supervision.</li><li>
Ability to supervise, train and motivate staff.</li><li>
Ability to formulate, implement and administer policies and procedures relating to Member Business Loans.
</li></ul><p></p><p><b>Leadership Core Competencies:</b></p><p>
Leaders at Gesa Credit Union are lifelong learners who, by developing themselves, are better able to grow our team members and our organization as well as serve as influential role models for each other. We believe that every team leader, no matter their position or years of experience, must model and continue to strengthen these competencies which are foundational to our view of leadership and support the achievement of our strategic goals.</p><ul><li>
Leading Others
</li><li>Developing Others
</li><li>Emotional Intelligence
</li><li>Social Responsibility
</li><li>Performance &amp; Results Orientation</li></ul><h1 class="jobSectionHeader"><b>
What You Will Need:</b></h1><p>
1. Eight to ten years&rsquo; similar or related experience.
</p><p>2. Minimum three years managerial/supervisory position within a financial organization desired, preferred.
</p><p>3. Bachelor&rsquo;s degree or equivalent combination of specialized courses in business related training or experience.
</p><p>4. Experience underwriting commercial loans including commercial real estate loans, agriculture, commercial and industry, and SBA; five years desired.
</p><p>5. Professional sales ability required; experience relating to commercial loan products desired.
</p><p>6. Experience analyzing local and national economic data to assist setting marketing and pricing strategies.
</p><p>7. Familiarity with SBA loan programs and underwriting requirements.
</p><p>8. Proficient with standard office equipment, Excel, MS Word, Outlook, computer software, lending software, and department specific programs.
</p><p>9. Maintain a professional image and must maintain confidentiality of sensitive information.</p><p>
</p><h1 class="jobSectionHeader"><b>Our Team Member Value Proposition:</b></h1><p>
In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:</p><ul><li>
Competitive Pay</li><li>
Medical, Dental, Vision, and Life Insurance
</li><li>20 days/year of Paid Time Off &ndash; Plus 10 Paid Holidays!</li><li>
401(k) Match</li><li>
Incentive Program</li><li>
Tuition Assistance and Student Loan Repayment</li><li>
Commuter Benefits</li><li>
Paid Time Off to Volunteer in the Community</li><li>
Product discounts</li><li>
Engaging Work Environment</li><li>
Rewards and Recognition Programs</li></ul><p>
</p><h1 class="jobSectionHeader"><b>Full Salary Range:</b></h1><div><div>
$157,373.36 - $262,288.94</div></div><ul><li><i>While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!&quot;</i></li></ul><p>
</p><p>Get wise to what&rsquo;s possible with a career at Gesa. Join us!</p><p>
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.</p><p>
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.</p><p>
Selected candidate(s) must be able to pass a pre-employment credit/background check.</p><p>
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.</p><p>
Equal Employment Opportunity (gesa.com)</p></div>

AVP Commercial Manager/Team Leader

<div><p>10795
</p><div><div><div><div><p>&middot; To underwrite mortgage business and manage the portfolio in assigned branch/location<br>
 </p></div></div><br>
</div></div><p></p><div><div><div><div><p><b>Core Responsibilities:
</b></p><p>o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
</p><p>o Under write proposals as per the laid down policies &amp; procedure to honour the agreed SLAs and manage city/area business volumes.
</p><p>o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field &amp; collateral visits.
</p><p>o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
</p><p>o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
</p><p>o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
</p><p>o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
</p><p>o Exceed service quality standards and strive for continuous process improvement
</p><p>o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
</p><p>o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
</p><p>o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
</p><p>o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
</p><p>o Facilitate critical review and documentation of the proposals and effectively monitor the client &amp; collateral creditworthiness from the pre sanction to post disbursement phase &amp; undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal &amp; documentation norms &amp; policies
</p><p>o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
</p><p>o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.<br>
</p><p></p><div><div><div><div><p><b>Qualification </b>: Graduate, Masters/Post Graduate
</p><p>Certifications <b>: </b>CA/MBA (Preferable)</p></div></div></div></div></div></div></div></div></div>

Manager - Retail Credit - Credit - Housing - DM - Hyderabad - Auto Plaza - JM

Manager - Retail Credit - Credit - Housing - DM - Tirupati - SRB Enclave - JM

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