3 Days Left Senior Portfolio Manager/ Portfolio Manager

Job Description

- The Mid Market and Supply Chain function is responsible for financing the short-term, medium-term, and long-term working capital and supply chain needs of SMEs through a suite of customized products with varied tenures.
- The key business metrics for success include loan book size, profitability, and a zero-tolerance approach to delinquency.
- A strong understanding of business finance, loan structuring techniques, and credit administration is essential to building credibility with customers and gaining a competitive edge.
- Deep knowledge of local market dynamicsincluding specific occupations/trades, industries, and local financial and investment preferencesis critical for structuring loans effectively and identifying new business opportunities.
- Expand market share in targeted locations and outpace competition.
- Continuously upgrade financial acumen, including knowledge of loan structuring methods and business financials, to build trust and credibility with customers.
- Stay informed about recent market trends and evolving local market preferences to align with customer needs.
- Ensure strong credit quality by conducting effective portfolio selection and pre-screening to minimize the risk of non-performing assets (NPAs).
- Safeguard financed amounts by conducting post-sanction surveillance, maintaining strong client relationships, and monitoring collateral to ensure the complete safety of the financing.

Key Responsibilities:

1.Sales Growth

Achieve sales targets through the following actions:

- Drive pipeline funnel to achieve book size and market share.
- Monitor local market trends and competitive offerings, identifying opportunities for business expansion in the region.
- Ensure minimal client attrition through strong client engagement activities.
- Regularly engage with investment bankers, chartered accountants, and brokers to source new business.
- Raise escalation on delinquent cases/potential NPAs and closely monitor these through the team for collection dues.
- Track key accounts in the portfolio for business health and early warning signs of NPAs.

2. Client Acquisition & Relationship Management

- Acquisition of new clients by identifying potential leads and conversion strategies & also servicing & managing current portfolio.
- Increase area business volume through strong cross-selling initiatives and innovative product offerings.
- Cultivate deeper customer relationships by ensuring faster turnaround times (TATs) in collaboration with Credit Analysts.
- Utilize technology to improve operational efficiencies and responsiveness in customer service, ensuring retention of existing customers.

3. Disbursal - Timely Loan Disbursement with Proper Documentation

- Coordinating with internal stakeholders to process loan applications.
- Responding to queries from internal teams to ensure timely and accurate disbursal.
- Completing transactions with customers with the appropriate documentation.

4. Market Intelligence

- Gather market intelligence on competitive strategies, policies, and processes regularly.
- Share the collected market intelligence with the Area Sales Manager to adjust business tactics accordingly.

5. Portfolio Quality & Profitability

- Track overdue accounts daily for the business and ensure timely collections.
- Intervene to ensure collection on initial overdue accounts in a timely manner.
- Ensure profitability by applying appropriate pricing strategies and processing fees.
- Implement cost management initiatives on a timely and accurate basis.

6. Organization Process Efficiency

- Adhere to all processes for both pre and post-sourcing activities.
- Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational performance.

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