Utilize the input text as a context reference, choose the right relationship between Arundhati Bhattacharya and State Bank of India from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

"The poor employment scope with the increased scale of finance for the technical and professional courses is the primary reason behind the poor repayment of education loans," State Bank of India told ET, responding to a questionnaire sent to chairman Arundhati Bhattacharya .

Answer: employer