Rpmg:portfolio Manager

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 About the Role To manage and oversee the collections portfolio for Agri Loans across various delinquency buckets through effective vendor management process adherence and compliance with audit and regulatory standards The role ensures timely resolution of overdue accounts and maintains portfolio health in alignment with organizational goals Key Responsibilities Portfolio Management Monitor and manage Agri Loan collections across all buckets early mid and late-stage delinquencies Analyze portfolio trends and implement corrective actions to improve recovery rates Vendor Management Engage and supervise multiple third-party collection agencies vendors Ensure vendors adhere to bank policies SLAs and compliance norms Conduct regular performance reviews and audits of vendor activities Bucket Resolution Drive resolution strategies for each delinquency bucket Coordinate with field teams and vendors to ensure timely follow-ups and closures Process Adherence Ensure all collection activities are conducted as per the bank s standard operating procedures Maintain accurate and timely documentation of collection efforts Compliance Audit Ensure full compliance with internal audit guidelines and regulatory requirements Address audit observations and implement preventive measures Reporting MIS Prepare and present periodic reports on collection performance vendor efficiency and portfolio health Use data analytics to identify risk areas and recommend strategic interventions Qualifications Optimal qualification for success on the job is Graduate Postgraduate in Finance Agriculture or related field 5-10 years of experience in collections preferably in Agri or rural lending portfolios Strong understanding of Agri Loan products and rural customer behavior Experience in managing external vendors and field collection teams Role Proficiencies For successful execution of the job the candidate should possess the following Excellent communication and negotiation skills Strong analytical and problem-solving abilities Proficiency in MS Excel and collection management systems Knowledge of regulatory and compliance frameworks in rural lending Skills Refer to the About Company Axis Bank is the third largest private sector bank in India The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates MSME Agriculture and Retail Businesses The Bank has a large footprint of 4 594 domestic branches including extension counters with 11 333 ATMs 5 710 cash recyclers spread across the country as on 31st March 2021 The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021 The Overseas operations of the Bank are spread over eight international offices with branches at Singapore Dubai at DIFC and Gift City-IBU representative offices at Dhaka Dubai Abu Dhabi Sharjah and an Overseas subsidiary at London UK The international offices focus on Corporate Lending Trade Finance Syndication Investment Banking and Liability Businesses