Job Purpose Identify, monitor and mitigate Education Loan portfolio, process, policy, fraud and collateral risks through analytics, reviews and control assurance. Duties and Responsibilities Principal accountabilities • 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 Decision rights • 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 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