RPMG:National Portfolio Manager

Job Description RPMG: National Portfolio Manager - Mortgage INTERNAL USAGE: No. of Vacancies: Reports to: Portfolio Head (PH) Is a Team leader Y Team Size: Grade: VP/SVP 1 Business: Mortgage Department: Retail Portfolio Management Group Sub-Department: Location: 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 National Manager handles PAN INDIA collection across buckets along with various collection channels. National manager ensures resolution across buckets and manages the portfolio as per the existing process. Liaise with product team to provide regular inputs and highlights the risk. To oversee the Mortgage Loans collections by monitoring and guiding the collections team/outsource vendors. Key Responsibilities - - Achieve the required resolution target as per the business requirement. - Ensure minimum forward flow to the next bucket. - Inventory management basis quarterly targets/ risk benchmarks @ 30DPD+, 90DPD+ & 180DPD+ - Net NPA Performance against the targets for the month. - Recovery Target for the month - Gross Slippages & Inventory management basis resolution targets. - NPA Recovery / Upgrade for the month - Timely initiation of Legal activities. Ensuring execution of legal/collection tools. - Cost provision as per budget & Other strategic initiatives. - High Ticket / Weak Account cases tracking on regular basis. - Look out for early warning signals and timely action for resolution. - Manage a team of Collections Managers & Collections Executives attached to various locations across the Pan-India - Drive performance of collections agencies/ identify areas of weaknesses, recommending solutions, and supporting the collection team to achieve targets. - Ensure timely allocation of cases to Collections Managers and Executives based on Geography and Vintage. - Ensure the collection efficiency through daily reports and regular reviews with the team. - Strategize, forecast, drive, and execute plans including the hiring plans. - Ensure dissemination of targets, KPI, and incentive structure to the team at the beginning of the month. - Ensure periodic audits of agencies and the in-house processes through the audit team and compliance with processes within the Region. - Ensure internal and external guidelines are adhered to in the field. - Motivate team through coaching, development, and training interventions. - To support the business on data quality management i.e. improving the quality of customer information available through timely feedback - Qualifications - - Role Proficiencies: - - - - - 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.