Education Loan Credit Specialist

19 hours ago


Jaipur, Rajasthan, India beBeeCreditRiskManagement Full time ₹ 1,04,000 - ₹ 1,30,878
Job Description

Credit Risk Management Specialist

  • Appraise credit proposals for education loans, ensuring compliance with underwriting guidelines.
  • Develop and implement training programs for CPA's to enhance their understanding of company policies and procedures.
  • Manage delinquency rates by identifying root causes and implementing corrective actions.
  • Oversee vendor management, maintaining service level agreements and ensuring timely delivery of services.
  • Monitor and control PDDs through effective MIS systems.
  • Ensure quality management through audits, compliance, and hindsighting.

Roles & Responsibilities:

  • Underwrite and recommend proposals for non-collateral/collateral-backed education loans.
  • Implement process improvements to ensure smooth transactions.
  • Provide training to CPA's to enhance their knowledge of company policies and norms.
  • Manage delinquency rates at the location level.
  • Oversee vendor/cost management, ensuring timely delivery of services.
  • Conduct personal discussions with clients (self-employed) independently, analyzing cash flow.

Technical Competencies / Skills:

  • Basic knowledge of loan underwriting principles.
  • Understanding of mortgage lending business, including risk awareness related to property titles.
  • Ability to conduct personal discussions with clients, arriving at cash flow analysis.
  • Strong communication and report writing skills.
  • Basic knowledge of banking principles and computer applications.


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