RPMG:Cluster Portfolio Manager

Job Description RPMG: Cluster Portfolio Manager - SBB Loans INTERNAL USAGE: No. of Vacancies: Reports to: National Portfolio Manager Is a Team leader Y Team Size: Grade: AVP/VP Business: SBB Loans Department: Retail Portfolio Management Group Sub-Department: Location: PAN India About Retail Portfolio Management Group TheRetail Portfolio Management Group (RPMG)plays a strategic role in managing the bank's retail receivables, with a sharp focus onloss containment,cost efficiency, andportfolio 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 overarchingGrowth, Profitability, and Sustainability (GPS)strategy, positioning RPMG as a key contributor to operational resilience and financial performance. AbouttheRole The Cluster Portfolio Manager handles multiple geographies on delinquent portfolio for specific products. Cluster Portfolio Manager ensures NPA resolution and manages the portfolio as per the existing process. Cluster Portfolio Manager also ensures compliance with the audit procedures of the bank Key Responsibilities - 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 keeping the portfolio in check by maintaining the delinquency level - Prepare contingency plan for all collection related activities. - Manage the team of Portfolio Managers and ensure achievement of the monthly resolution targets - Ensure that all collection agencies are fully compliant with RBI guidelines and bank's collection policy - Ensure adherence to the set process and audit requirements in place - Ensure minimum forward flow from the buckets - Ensure that assigned locations and collections agencies have sufficient manpower - Create a performance oriented environment leading to high employee motivation and productivity - Ensure that all staff are adequately trained on the products of the bank, processes and various policies of the bank Qualifications - Graduation/ Post-Graduation from a recognized institute - Role Proficiencies: For successful execution of the job, the candidate should possess the following: - Knowledge and understanding of collections and market dynamics. - Knowledge of regulatory guidelines and norms - Good communication (both verbal and written) skill in both English and the local language. - Ability to manage complex client situations. - Extensive geographical knowledge. - Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment. - Ability to handle pressure and 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.