(High Salary) RPMG:Portfolio Manager

Job Description

RPMG: Portfolio Manager - Two Wheeler Loans
INTERNAL USAGE:
No. of Vacancies: Reports to: Cluster Portfolio Manager
Is a Team leader N Team Size:

Grade: AM/DM/M
Business: Retail Banking Department: Retail Portfolio Management Group Sub-Department: Two Wheeler Loans
Location: PAN India
About Retail Portfolio Management Group
The Retail Portfolio Management Group (RPMG)plays a strategic role in managing the bank's retail receivables, with a sharp focus on loss containment, cost efficiency, and portfolio sustainability. Through advanced analytics, technology-driven processes, and close collaboration with Credit, Risk, and Product teams, RPMG ensures risk-calibrated policy execution.

RPMG engages delinquent customers with multiple repayment solutions and financial counseling, promoting responsible credit behavior and long-term financial health. This approach aligns with the bank's overarching Growth, Profitability, and Sustainability (GPS)strategy, positioning RPMG as a key contributor to operational resilience and financial performance.

AbouttheRole
The Portfolio Manager for Two Wheeler loans is responsible for managing the portfolio of two-wheeler loans, ensuring NPA resolution, and achieving collection targets. This role involves handling the Risk - 60 portfolio, achieving resolution and normalization targets, and ensuring compliance with audit procedures.
Key Responsibilities
Portfolio Management:

- Manage the portfolio of two-wheeler loan products.
- Ensure maximum release from the NPA pool by achieving the required resolution target as per the business requirement.
- Ensure minimum addition to the NPA pool by maintaining the delinquency level.
- Achieve calling resolution targets for X & 30 buckets for two-wheeler products.
- Adhere to calling norm targets for two-wheeler products.

Operational Management:

- Oversee the collection process to ensure efficient and effective portfolio management.
- Monitor and analyze portfolio performance metrics and implement necessary adjustments.
- Ensure compliance with regulatory guidelines and internal policies.
- Engage defaulting members through telephone, emails, and physical visits to recover payments on defaulted accounts.
- Maintain daily activity logs of calls, physical visits, right party contacts, promises to pay, and promises to pay kept.

Data Analysis and Reporting:

- Collect, analyze, and interpret data to measure portfolio performance against established KPIs.
- Generate detailed reports on portfolio metrics and provide actionable insights.
- Identify trends, patterns, and opportunities for optimization.

Process Improvement:

- Continuously evaluate and enhance portfolio management processes and workflows.
- Identify opportunities to improve efficiency and effectiveness.
- Implement industry best practices and emerging technologies.

Qualifications
- - - - -

Role Proficiencies:
For successful execution of the job, the candidate should possess the following:

- Proven experience in portfolio management, preferably within the financial services industry.
- Strong analytical skills with proficiency in data analysis and interpretation.
- Excellent project management skills with the ability to prioritize and meet deadlines.
- Strong interpersonal and communication skills with the ability to collaborate effectively.
- Ability to manage complex client situations.
- Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment.
- Ability to handle pressure and meet deadlines.

AboutAxis
Incorporated in 1994, Axis Bank is one of India's most trusted banks & the third largest in the private sector. At Axis Bank, customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control framework & a large talent pool.

The Bank has a young & engaged workforce of over 60,000 employees, with an average age of 30 years. We are an equal opportunity employer & believe in empowering our employees by offering rich roles, learning opportunities & flexibility to chart their career, their way.