National Lead - Education Loan

Bajaj Finserv Limited; Pune District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Bajaj Finserv Limited is seeking a Senior Risk Analytics professional to identify and mitigate risks across the Education Loan portfolio. The role focuses on analytics, reviews, and control assurance to uphold policy and governance standards.

You will monitor trends, review controls, conduct targeted reviews, and prepare evidence-based risk dashboards to support policy changes and risk mitigation across the loan lifecycle.

Qualifications

• Postgraduate or equivalent qualification preferred with leadership experience in lending.
• Strong analytical skills and ability to interpret risk data.
• Demonstrated integrity and confidentiality in handling sensitive information.

Responsibilities

• Identify, monitor and mitigate education loan portfolio risks.
• Review sourcing, underwriting, collateral and disbursement controls.
• Conduct thematic, branch, partner or process reviews.
• Validate observations, root causes and corrective actions.
• Review collateral quality and documentation controls where applicable.
• Track fraud indicators and exception patterns.
• Prepare risk dashboards and support policy changes.

Skills

Portfolio analytics

Credit risk

Process risk

Collateral risk

Data interpretation

Independent judgement

Excel/ MIS capability

Integrity and confidentiality

Education

Postgraduate or equivalent professional qualification

Tools

Excel

Job description

Job Purpose

Identify, monitor and mitigate Education Loan portfolio, process, policy, fraud and collateral risks through analytics, reviews and control assurance.

Duties and Responsibilities

• Monitor portfolio, early-warning, approval and deviation trends.
• Review sourcing, underwriting, collateral and disbursement controls.
• Conduct thematic, branch, partner or process reviews.
• Validate observations, root causes and corrective actions.
• Review collateral quality and documentation controls where applicable.
• Track fraud indicators and exception patterns.
• Prepare risk dashboards and support evidence-based policy changes.
• 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 interactionsInternal 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

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

• Portfolio analytics
• Credit and process risk
• Control testing
• Collateral risk
• Data interpretation
• Independent judgement
• Excel / presentation / business MIS capability appropriate to the role
• High standards of integrity, customer confidentiality and control discipline