Area Manager - Education Loan
Bajaj Finance
Area Manager - Education Loan
About this role
| 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 new product launches. • Translate credit plans into regional or central execution priorities. • Review team underwriting quality, productivity, controls and capability. • Manage escalations and vendor performance across assigned locations or work queues. |
| 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. 3-5 years of relevant credit or underwriting experience, including exposure to team, location, portfolio or complex case management; 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 |
Frequently Asked Questions
Is the salary disclosed for the Area Manager - Education Loan position at Bajaj Finance?
The salary for this Area Manager - Education Loan role at Bajaj Finance is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the Area Manager - Education Loan position at Bajaj Finance located?
This Area Manager - Education Loan role at Bajaj Finance is based in Pune, Maharashtra, India. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
Is the Area Manager - Education Loan role at Bajaj Finance full-time or part-time?
This is listed as a FULL TIME position. It is posted as a Area Manager - Education Loan role at Bajaj Finance.
How do I apply for the Area Manager - Education Loan position at Bajaj Finance?
Click the "Apply Now" button on this page. You will be redirected to Bajaj Finance's official application portal hosted on peoplestrong where you can submit your application directly.
When was the Area Manager - Education Loan job at Bajaj Finance posted?
This Area Manager - Education Loan position at Bajaj Finance was posted on Sep 30, 2026. Apply as soon as possible — early applications are often reviewed first.
Area Manager - Education Loan
Bajaj Finance
You'll be redirected to Bajaj Finance's official application page on peoplestrong.