Unit Manager - Education Loan

Job Purpose

Build scalable capabilities, analytics, governance and technology-enabled process improvements for the Education Loan business.

• 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