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. • 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
