Deputy Manager - Education Loan

Bajaj Finserv Limited; Lucknow; On-site; INR 350,000 - 520,000; Full time

Job summary

Bajaj Finserv Limited in Lucknow is seeking a focused Education Loan Advisor to acquire and convert eligible customers through compliant counselling, disciplined funnel management, and complete documentation.

You will manage leads from various channels, counsel on course and funding, collect documents, and coordinate with Credit/Operations to progress files while maintaining portfolio quality and compliance.

Qualifications

• Graduate with relevant customer-facing, lending or financial services experience preferred.
• Experience in education loan counselling and portfolio management is a plus.
• Strong understanding of KYC, income and academic document validation.
• Proven ability to manage customer data in CRM/LOS and generate MIS reports.

Responsibilities

• Generate and manage leads from direct, referral, consultant, institution and partner channels.
• Counsel students and co-applicants on course, country, institution, funding requirements and repayment construct.
• Capture and validate complete application data, customer consent and source attribution in approved systems.
• Coordinate with Credit, Operations, Verification and partners to resolve queries and progress files.
• Track funnel stages from lead to login, sanction to disbursement, noting reasons and actions.
• Communicate sanction terms and missing requirements to customers clearly and accurately.
• Maintain compliant selling, confidentiality, audit trails and approved communication standards.
• Support portfolio quality through sourcing, fraud vigilance and early issue escalation.

Skills

Education loan counselling

Sales execution

Portfolio quality management

Customer repayment engagement

KYC/document understanding

CRM/LOS usage

Communication & negotiation

Compliance & fraud awareness

Excel & MIS capability

Education

Graduate

Job description

Job Summary

Acquire and convert eligible Education Loan customers through compliant counselling, disciplined funnel management, complete documentation, coordinated fulfilment and active ownership of portfolio quality.

Responsibilities

• Generate and manage leads from direct, referral, consultant, institution and partner channels.
• Counsel students and co-applicants on course, country, institution, funding requirement, repayment construct and documentation.
• Capture complete application data, customer consent and source attribution in approved systems.
• Collect and validate admission, academic, KYC, income, banking and collateral documents before login.
• Coordinate with Credit, Operations, Verification and partners to resolve queries and progress files within agreed service levels.
• Track the lead-to-login, login-to-sanction and sanction-to-disbursement funnel and record lost reasons and corrective actions.
• Communicate sanction terms, conditions and pending requirements accurately to customers.
• Maintain compliant selling, customer confidentiality, audit trails and approved communication standards.
• Support portfolio quality through appropriate sourcing, fraud vigilance and early issue escalation.
• Support portfolio quality and X-bucket management through pre-due and pre-bounce customer engagement, timely repayment reminders, follow-up on assigned overdue cases and escalation to the Sales Manager and Collections team.
• Execute assigned activities directly and maintain accurate system records.
• Escalate customer, documentation, fraud or repayment concerns promptly.

Key Decisions / Dimensions

• Make day-to-day sales and customer-management decisions within approved policy, process, pricing and delegated authority.
• Prioritise and allocate customer follow-ups, including portfolio-quality and X-bucket actions, within the assigned scope.
• Escalate policy deviations, material customer impact, fraud indicators, persistent overdue cases and unresolved dependencies.
• 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, Compliance, Finance, Technology, HR and COE.
• External Students, co-applicants, universities, education consultants, DSAs, referral partners and other approved service providers.

Major Challenges

• Balancing growth, customer experience, turnaround time and portfolio quality.
• Managing incomplete or inconsistent customer, academic and financial information.
• Driving timely customer engagement for pre-due, pre-bounce and overdue cases while following approved conduct standards.
• Coordinating Sales, Collections, Credit, Risk and Operations to address X-bucket and early-delinquency issues.

Required Qualifications and Experience

Graduate. Relevant customer-facing, lending or financial-services experience preferred.

Critical skills and knowledge

• Education Loan customer counselling
• Sales execution and relationship management
• Portfolio-quality and X-bucket management awareness
• Customer repayment engagement and early-delinquency follow-up
• Understanding of academic, income and KYC documents
• CRM/LOS usage and MIS discipline
• Communication, negotiation and customer orientation
• Compliance, fraud and customer-conduct awareness
• Excel, presentation and business MIS capability