Bharat Banking:Geo Portfolio Manager

Job Description About Bharat Banking The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or Bharat markets. To better capitalize on the growth runway and open the world of possibilities for the Bharat customer, the bank has set up a separate Bharat Bank vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches. The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer. The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring. About the Role A Geography Portfolio Manager in Gold Loans within a bank is responsible for managing the gold loan portfolio across specific geographic regions, ensuring optimal performance and compliance. Preferably, the candidate should have excellent listening and analytical skills, with the ability to work in tandem with multiple teams. Also, the person should be result-oriented, creative and comfortable to work within tight deadlines. Key Responsibilities To ensure branches meet their min standards to become infra ready and then to manage activation of branches in respective geographies along with valuer support and payouts To manage hiring/management of GLOs, REs and valuers in respective geographies (including resource mapping of all). To manage implementation of operational processes rolled out by central office and supportfield team(Driving pilot programs) . To manage training and development of all resources in the respective geographies Oversee the gold loan portfolio within assigned geographic regions to ensure optimal performance and profitability - Manage P&L for geography Monitor loan disbursements, repayments, and delinquencies to maintain portfolio health Conduct market research and analysis to understand regional market dynamics and customer needs and work on Branch Expansion Develop and implement strategies to grow the gold loan portfolio in specific regions Identify opportunities for product enhancements or new product offerings based on regional insights Prepare and present regional portfolio performance reports to senior management Engagement with collection & risk team as RAS in increasing trend Review and monitor business performance via regular MIS reports, and look to improvise/ introduce new MIS to support business Prepare presentations and reports for the senior management review Work on P&L, look at the cost somponents and identify areas that need to be reviewed by the stakeholders review the monthly P&L and highlight possible discrepancies with the respective teams Track the portfolio health and publish reports to the senior management and sales team for actionable To ensure Insurance claim follow ups and track policy closures if any Handle gold related aspects for RBBCs and RRGCs and revert to the respective ATRs Qualifications Optimal qualification for success on the job is: Graduation/ Post Graduation from a recognized institute. Role Proficiencies: For successful execution of the job, a candidate should possess the following: Work in tandem with different teams and have the ability to follow up for closure by stipulated timeline He or she should also have deep understating of how the business works. Preferred Skills: 1. Prior work experience in products/ business teams in bank/ NBFC 2. Data Analytics, with Advanced Excel and Power point Skills 3. Experience of having developed financial products from conceptualization to launch is a big plus 4. Experience in designing incentive structures and sales contests will be handy 5. Experience in writing goals, stories, test-case documents, BRDs will be good to have 6. Creating Schemes to drive product/ platform usage