Lead - Education Loan/Senior Lead - Education Loan

Drive compliant Education Loan sourcing and selling by monitoring conduct, documentation, communication, partner practices and closure of control gaps.

• Translate product, KYC/AML and sales-process requirements into controls.
• Review sales files, consent, source attribution, disclosures and evidence.
• Monitor partner and frontline adherence.
• Track complaints, mis-selling indicators and repeat breaches.
• Conduct thematic and sample reviews.
• Coordinate corrective action and training.
• Maintain compliance MIS and escalate material concerns.
• Set functional direction and operating rhythm.
• Own governance, resource priorities and capability building.
• Sponsor policy, process and technology interventions.

• 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.

• 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.

Postgraduate or equivalent professional qualification preferred, with substantial leadership experience in lending or the stated function.

• Sales compliance
• KYC/AML awareness
• Audit reviews
• Root-cause analysis
• Reporting
• Training
• Excel / presentation / business MIS capability appropriate to the role
• High standards of integrity, customer confidentiality and control discipline