About the role
JOB DESCRIPTION
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.
• Set the functional credit direction, operating rhythm and governance standards.
• Own resource priorities, senior stakeholder alignment and underwriting capability building.
• Sponsor policy, process, technology, vendor-governance and portfolio-quality interventions.
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.
Job Description | Page 1
• Identifying and resolving adverse legal, technical, valuation, fraud or policy observations within defined
authority.
REQUIRED QUALIFICATIONS AND EXPERIENCE
Postgraduate or equivalent professional qualification in Finance, Management or a related discipline preferred. 7+
years of relevant credit and underwriting experience, including leadership of teams, portfolios, geographies, policy
implementation and credit governance.
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
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