Lead - Education Loan/Senior Lead - Education Loan
Bajaj Finance
| 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. • Set functional direction and operating rhythm. • Own governance, resource priorities and capability building. • Sponsor policy, process and technology interventions. |
| 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 | Postgraduate or equivalent professional qualification preferred, with substantial leadership experience in lending or the stated function. 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 |
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