Lead - Education Loan/Senior Lead - Education Loan

Job Purpose

Drive compliant Education Loan sourcing and selling by monitoring conduct, documentation, communication, partner practices and closure of control gaps.

• Translate product, KYC/AML and sales-process requirements into controls.

• Review sales files, consent, source attribution, disclosures and evidence.

• Monitor partner and frontline adherence.

• Track complaints, mis-selling indicators and repeat breaches.

• Conduct thematic and sample reviews.

• Coordinate corrective action and training.

• Maintain compliance MIS and escalate material concerns.

• 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

• Sales compliance

• KYC/AML awareness

• Audit reviews

• Root-cause analysis

• Reporting

• Training

• Excel / presentation / business MIS capability appropriate to the role

• High standards of integrity, customer confidentiality and control discipline