Job Purpose Build scalable capabilities, analytics, governance and technology-enabled process improvements for the Education Loan business. Duties and Responsibilities • 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. • 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 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 Postgraduate or equivalent professional qualification preferred, with substantial leadership experience in lending or the stated function. 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