Sanction Head

POSITION SUMMARY

The Head - Sanctions will own end-to-end loan sanctioning operations for CreditSea's short-term personal loan portfolio. This is a senior leadership role responsible for driving high-velocity, high-accuracy credit decisioning, managing the sanctions team, and ensuring seamless loan disbursement in line with regulatory and internal credit policy frameworks. The incumbent will play a critical role in balancing risk appetite with business growth objectives.

KEY ROLES & RESPONSIBILITIES

• Sanctions & Credit Underwriting Lead and oversee the end-to-end sanctions process for short-term loan applications across all digital channels. Define and enforce credit underwriting policies, scorecards, and decision frameworks. Review and approve high-value or exception loan cases requiring senior credit judgment. Ensure TAT (Turnaround Time) benchmarks are consistently met for loan sanctioning without compromising credit quality. Continuously review and refine decision rules, policy parameters, and cut-offs based on portfolio performance data.
• Loan Disbursement Oversight Oversee the seamless handoff from sanctions to disbursement, ensuring sanctioned loans are disbursed accurately and within committed timelines. Coordinate with technology, operations, and partner NBFC teams to resolve disbursement bottlenecks and exceptions. Monitor daily disbursement MIS - volumes, TAT, error rates, and rejection ratios - and take corrective action proactively. Own the sanctions-to-disbursement conversion funnel and work cross-functionally to optimize it.3. Team Leadership & People Management Build, mentor, and lead a high-performance sanctions team comprising credit analysts, underwriters, and decision officers. Define KPIs, conduct performance reviews, and ensure team productivity and quality benchmarks are achieved. Drive training programs on credit policy, product updates, fraud patterns, and compliance requirements. Establish a culture of accuracy, accountability, and continuous improvement within the team.4. Risk Management & Compliance Ensure all sanctioning activities are compliant with RBI guidelines, NBFC regulations, and internal credit policy. Work closely with the risk team to monitor early delinquency signals and proactively tighten or relax policy as required. Implement robust fraud detection checks at the sanctions stage, including bureau analysis, income verification, and digital footprint assessment. Maintain audit-ready documentation of credit decisions, exception approvals, and policy deviations.5. Analytics & Reporting Prepare and present regular MIS reports on sanctions volume, approval rates, rejection reasons, and portfolio quality to senior leadership. Leverage data analytics to identify trends in applicant behaviour, credit performance, and operational efficiency.6. Stakeholder & Cross-Functional Collaboration Act as the primary point of contact between the sanctions function and product, tech, collections, and NBFC partner teams. Partner with business development to understand growth targets and align sanctions capacity and policy accordingly. Represent the sanctions function in credit committee meetings and strategic planning discussions.

Experience Requirements 3 years of total experience in credit underwriting, sanctions, or related functions. Minimum 2.5 years of hands-on experience in a FinTech company operating in the short-term consumer lending segment (Mandatory). Demonstrated experience in team handling - managing and leading sanctions/underwriting teams of 10+ members.

Proven track record in loan disbursement operations, including ownership of the sanctions-to-disbursement workflow. Experience with digital lending platforms, bureau integrations (CIBIL), and automated underwriting systems. Prior exposure to NBFC/bank partnerships and regulatory compliance is strongly preferred.

To Apply: Interested candidates with the required experience in FinTech lending, team handling, and disbursement operations are encouraged to apply or send your profile to . Please mention 'Head - Sanctions' in the subject line.

ABOUT CREDITSEACreditSea is a fast-growing digital lending FinTech that offers instant personal loans of up to 2 Lakhs through a 100% online, transparent, and paperless process. Backed by RBI-licensed NBFC partners, CreditSea has disbursed 50 Cr+ in loans and serves 1,00,000+ users across India. We are on a mission to make credit accessible, fair, and frictionless for every Indian.

ROLE OVERVIEWJob Title Head - SanctionsDepartment Credit & UnderwritingReporting To CEOEmployment Type Full-TimeIndustry FinTech- Short-Term Digital LendingLocation Delhi NCRExperience Required Minimum 2.5 years in FinTech Lending