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 recent product launches.
- Own the assigned credit work queue and resolve day-to-day case queries.
- Maintain accurate system records and escalate material exceptions beyond delegated authority.

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 Internal: Sales, Product, Risk, Operations, RCU/Fraud Control, Collections, Legal, Technical, Collateral, Compliance, Finance, Technology, and COE.

External: Students, 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. 1-3 years of relevant experience in credit appraisal, underwriting, secured/unsecured lending, or financial services;

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

BASIC SECTION Job Level: GB03

Job Title: Deputy Area Manager - Education Loan, Credit Field

Job Location Country: India

State: TELANGANA

Region: South

City: Hyderabad

Location Name: Hyderabad - Somajiguda

Tier: Megapolis

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