Portfolio Manager

1 week ago


Mumbai, India InCred Financial Services Full time

Manager – Portfolio Operations Role & responsibilities - Collections and Delinquency Management: Monitor month-on-month (MoM) numbers for 0–30-day overdue accounts. Respond promptly to requests from the collections team for CIBIL reports, KYC documents, and agreements to support efficient recovery of outstanding dues. - EMI Initiation Coordination: Contact education loan applicants or co-applicants to inform them about the start of their EMI payments. Clarify the difference between current instalment types and full EMIs and address any questions that arise during these communications. - Deferral Case Processing: Handle cases where applicants or co-applicants are unable to begin EMI payments due to reasons aligned with RBI/IBA guidelines and InCred's internal policies. - Bank Relationship Management: Oversee relationships with HSBC and Yes Bank, including opening new savings accounts, creating fixed deposits (FDs), placing and removing liens on FDs, and managing related MIS reports. - Internal Department Coordination: Manage inquiries from various internal teams such as collections legal, corporate legal, internal audit, compliance, secretarial, finance, and accounts payable. - Collaboration within Education Loan Operations: Work closely with EL Operations to support transaction processing and disbursement activities. - Customer Query Handling: Respond to customer service queries related to interest rates, upfront interest, and various charges. - Upfront Interest Shortfall Management: Coordinate with internal branch teams to investigate reasons for shortfalls in upfront interest collection and ensure outstanding amounts are recovered. - Forex Operations Support: Coordinate with forex vendors and serve as a backup for forex-related operations. - MIS Management: Prepare and share management information system (MIS) reports with various stakeholders within the organization. Preferred candidate profile - Experience – 2-4 years - MBA degree preferred, providing a strong foundation in business management and operational excellence. - Strong interpersonal and communication skills with fluency in English and Hindi (mandatory), and working knowledge of Telugu or Kannada highly preferred, enabling effective coordination across diverse teams and stakeholders. - Demonstrated ability to manage multiple tasks efficiently under tight deadlines while maintaining attention to detail and portfolio quality. - Hands-on experience in tracking and monitoring day-to-day delinquencies, EMI payments, and coordinating with branches, product teams, and collections for timely repayments. - Proven capability to collaborate with various internal departments and banking partners, managing queries and ensuring seamless operations across collections, legal, compliance, finance, and forex functions.


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