Regional Manager - Education Loan/Senior Regional Manager - Education Loan

Location Name: Chennai - Anna salai
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.
Own regional portfolio-quality governance, including X-bucket and early-delinquency performance, review of location and channel trends, corrective action plans, and senior-level coordination with Collections, Credit, Risk and Operations.
Set regional sales direction and operating rhythm.
Own governance, resource priorities, senior stakeholder alignment and capability building.
Sponsor process, channel and portfolio-quality interventions.
Key Decisions / Dimensions
Decision rights
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
Postgraduate or equivalent qualification preferred, with substantial sales leadership experience in lending or financial services.
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

Work arrangement
No