Job Summary

Drive compliant Education Loan sourcing and selling by monitoring conduct, documentation, communication, partner practices and closure of control gaps.

Responsibilities

- Translate product, KYC/AML and sales-process requirements into controls.
- Review sales files, consent, source attribution, disclosures and evidence.
- Monitor partner and frontline adherence.
- Track complaints, mis-selling indicators and repeat breaches.
- Conduct thematic and sample reviews.
- Coordinate corrective action and training.
- Maintain compliance MIS and escalate material concerns.
- Own assigned portfolio or work queue.
- Coach resources where assigned and manage day-to-day closure.
- Provide structured MIS and improvement inputs.

Key Decisions / Dimensions

- Make day-to-day decisions within approved policy, process, budget and delegated authority.
- Escalate policy deviations, material customer impact, fraud indicators, compliance concerns and unresolved cross-functional dependencies.
- Numeric sanction, commercial, hiring and budget authorities are to be defined in the approved delegation matrix.
- Key interactions: Internal Sales, Product, Credit/Underwriting, Risk, Operations, RCU/Fraud Control,



Collections, Legal, Compliance, Finance, Technology, HR and COE, as relevant.
- External: Students, co-applicants, universities, education consultants, DSAs, verification agencies, valuers, legal partners, technology/service partners and other approved vendors, as relevant.

Major Challenges

- Balancing growth, customer experience, turnaround time and portfolio quality.
- Managing incomplete or inconsistent customer, academic, financial and collateral information.
- Coordinating multiple stakeholders and technology/process dependencies across the loan lifecycle.
- Maintaining control discipline during policy, market and process changes.

Required Qualifications and Experience Graduate or postgraduate. Relevant functional experience; education-finance exposure preferred.

Critical skills and knowledge

- Sales compliance
- KYC/AML awareness
- Audit reviews
- Root-cause analysis
- Reporting
- Training
- Excel / presentation / business MIS capability appropriate to the role
- High standards of integrity, customer confidentiality and control discipline

📌 Manager - Education Loan (Pune)
🏢 Bajaj Finance
📍 Pune