Job Purpose

Acquire and convert eligible Education Loan customers through compliant counselling, disciplined funnel management, complete documentation, coordinated fulfilment, and active ownership of portfolio quality.

Duties and Responsibilities

- Generate and manage leads from direct, referral, consultant, institution, and partner channels.
- Counsel students and co-applicants on course, country, institution, funding requirements, repayment constructs, and documentation.
- Capture complete application data, customer consent, and source attribution in approved systems.
- Collect and validate admission, academic, KYC, income, banking, and collateral documents before login.
- Coordinate with Credit, Operations, Verification, and partners to resolve queries and progress files within agreed service levels.
- Track the lead-to-login, login-to-sanction, and sanction-to-disbursement funnel and record lost reasons and corrective actions.
- Communicate sanction terms, conditions, and pending requirements accurately to customers.
- Maintain compliant selling, customer confidentiality, audit trails, and approved communication standards.
- Support portfolio quality through appropriate sourcing, fraud vigilance, and early issue escalation.
- Support portfolio quality and X-bucket management through pre-due and pre-bounce customer engagement, timely repayment reminders, follow-up on assigned overdue cases, and escalation to the Sales Manager and Collections team.
- Execute assigned activities directly and maintain accurate system records.
- Escalate customer, documentation, fraud, or repayment concerns promptly.

Key Decisions / DimensionsDecision rights

- Make day-to-day sales and customer-management decisions within approved policy, process, pricing, and delegated authority.
- Prioritise and allocate customer follow-ups,



including portfolio-quality and X-bucket actions, within the assigned scope.
- Escalate policy deviations, material customer impact, fraud indicators, persistent overdue cases, and unresolved dependencies.
- 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, Compliance, Finance, Technology, HR, and COE.
External: Students, co-applicants, universities, education consultants, DSAs, referral partners, and other approved service providers.

Major Challenges

- Balancing growth, customer experience, turnaround time, and portfolio quality.
- Managing incomplete or inconsistent customer, academic, and financial information.
- Driving timely customer engagement for pre-due, pre-bounce, and overdue cases while following approved conduct standards.
- Coordinating Sales, Collections, Credit, Risk, and Operations to address X-bucket and early-delinquency issues.

Required Qualifications and Experience

Graduate. Relevant customer-facing, lending, or financial-services experience preferred.

Critical skills and knowledge

- Education Loan customer counselling
- Sales execution and relationship management
- Portfolio-quality and X-bucket management awareness
- Customer repayment engagement and early-delinquency follow-up
- Understanding of academic, income, and KYC documents
- CRM/LOS usage and MIS discipline
- Communication, negotiation, and customer orientation
- Compliance, fraud, and customer-conduct awareness
- Excel, presentation, and business MIS capability
- High standards of integrity and customer confidentiality

Locations

Job Level: GB02
Job Title: Deputy Manager - Education Loan, Sales, Sales
Job Location Country: India
State: WEST BENGAL
Region: East
City: Kolkata
Location Name: Kolkata - Salt Lake Tier Megapolis

📌 Deputy Manager - Education Loan (Kolkata)
🏢 Bajaj FinServ
📍 Kolkata