Job Summary

Build scalable capabilities, analytics, governance and technology-enabled process improvements for the Education Loan business.

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 Pune
🏢 Bajaj Finance
📍 Pune