Job Purpose
Build scalable capabilities, analytics, governance and technology-enabled process improvements for the Education Loan business.
Duties and Responsibilities
• Own portfolio MIS, dashboards and management insights.
• Coordinate annual planning, capability roadmaps and transformation initiatives.
• Maintain university, course, country and operating master governance.
• Gather requirements, prepare BRDs/user stories and support testing.
• Monitor production issues, adoption and process bottlenecks.
• Drive automation, API enablement and workflow improvements.
• Run governance forums and maintain project risks, decisions and audit evidence.
• Translate plans into execution priorities.
• Review team quality, productivity and controls.
• Resolve cross-functional bottlenecks.
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 with demonstrated experience managing a team, geography, portfolio or complex lending workstream.
Critical skills and knowledge
• Program management
• Analytics and MIS
• Process re-engineering
• BRD and UAT
• Technology coordination
• Governance
• Excel / presentation / business MIS capability appropriate to the role
• High standards of integrity, customer confidentiality and control discipline

📌 Unit Manager - Education Loan (Western India)
🏢 Bajaj Finance
📍 Western India