Area Manager - Education Loan/Senior Area Manager - Education Loan

Location Name: Kolkata - Salt Lake

Job Purpose

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

Duties And 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. Drive cluster portfolio quality through regular review of X-bucket and early-delinquency trends, allocation and monitoring of follow-up actions, root-cause identification and coordinated resolution with Collections, Credit, Risk and Operations. Translate business plans into cluster execution priorities. Review team productivity, sourcing quality, controls and capability. Resolve cross-functional bottlenecks and escalate structural issues with evidence.

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 or postgraduate with demonstrated experience managing a sales team, geography or lending portfolio.

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 High standards of integrity and customer confidentiality