Manager - Education Loan

Assess Education Loan applications independently and consistently, balancing customer eligibility, repayment capacity, academic and employability factors, collateral support, legal and technical acceptability, and portfolio quality.

•  Review applicant and co-applicant identity, relationship, academics, admission, institution, course, country, test scores and requested funding.
•  Assess income, banking, bureau, obligations, repayment capacity and policy eligibility.
•  Evaluate cost of education, scholarships, margin or own contribution, living expenses and the proposed loan amount.
•  Assess secured and unsecured structures, including property, gold or other approved collateral, through applicable reports and controls.
•  Own or review Legal and Technical Assessment requirements for secured cases and ensure satisfactory reports are available before progressing the credit decision.
•  Engage and coordinate with approved third-party valuers and lawyers to facilitate timely valuation, technical and legal reports; review report validity, observations, conditions and exceptions for credit consideration.
•  Review verification outcomes, fraud indicators, deviations and mitigants, and raise evidence-based queries.
•  Prepare or validate credit assessment notes, recommendations, sanction conditions and deviation matrices.
•  Decide, recommend, refer or decline cases within the approved credit authority matrix and ensure complete decision audit trail.
•  Monitor underwriting quality, approval, rejection and deviation trends, turnaround time, productivity and portfolio feedback.
•  Coordinate with Sales, Risk, Operations, RCU, Collections, Legal, Technical, collateral teams and external service providers while preserving independent credit judgement.
•  Provide market and portfolio feedback for policy refinement, process improvement and new product launches.
•  Own the assigned credit work queue and resolve day-to-day case queries.
•  Maintain accurate system records and escalate material exceptions beyond delegated authority.

Key interactions

Internal Sales, Product, Risk, Operations, RCU/Fraud Control, Collections, Legal, Technical, Collateral, Compliance, Finance, Technology and COE.

External Students, co-applicants, approved valuers, lawyers, legal and technical agencies, verification partners and other approved service providers.

•  Balancing growth, customer experience, turnaround time and portfolio quality.
•  Managing incomplete or inconsistent academic, financial, collateral, legal and technical information.
•  Coordinating internal teams and third-party agencies while maintaining independent credit judgement.
•  Identifying and resolving adverse legal, technical, valuation, fraud or policy observations within defined authority.

Graduate or postgraduate in Finance, Commerce, Economics, Management or a related discipline. 1-3 years of relevant experience in credit appraisal, underwriting, secured/unsecured lending or financial services; Education Loan exposure preferred.

Critical skills and knowledge

•  Credit appraisal and financial analysis
•  Bureau, banking and income assessment
•  Academic and employability assessment
•  Secured and unsecured lending
•  Legal and Technical report interpretation
•  Property valuation, collateral and title-risk awareness
•  Third-party valuer, lawyer and vendor coordination
•  Fraud-risk awareness and decision writing
•  Excel, presentation and business MIS capability

• High standards of integrity, customer confidentiality and control discipline