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Area Manager Education Loan
Job Location:
Monthly Salary:
Posted:
2 October 2026 (23 hours ago)
Posted:
Application Deadline:
30 December 2026
Application Deadline:
Vacancies:
1 Vacancy
Vacancies:
Job Summary
| Job Purpose | 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. |
| Duties and Responsibilities | 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. Translate credit plans into regional or central execution priorities. Review team underwriting quality productivity controls and capability. Manage escalations and vendor performance across assigned locations or work queues. |
| Key Decisions / Dimensions | Approve recommend refer or decline cases strictly within the approved credit authority matrix and risk policy. Assess the acceptability of legal technical valuation and collateral observations for credit decisioning within delegated authority. Escalate title valuation technical fraud policy compliance and other material exceptions to the prescribed authority. Numeric sanction and deviation authorities are to be defined in the approved delegation matrix. Key interactions InternalSales Product Risk Operations RCU/Fraud Control Collections Legal Technical Collateral Compliance Finance Technology and COE. ExternalStudents co-applicants approved valuers lawyers legal and technical agencies verification partners and other approved service providers. |
| Major Challenges | 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. |
| Required Qualifications and Experience | Graduate or postgraduate in Finance Commerce Economics Management or a related discipline. 3-5 years of relevant credit or underwriting experience including exposure to team location portfolio or complex case management; 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 |
Required Experience:
Manager
About Company
Bajaj Finserv is India’s most diversified non-banking finance company. Visit the website to learn about our products. Get instant approval on loans, shop on EMIs, make an investment, get insurance and pay your bills.
