Rpmg:circle Portfolio Manager

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 About the Role Key Responsibilities To lead and manage the Agri Loans collections portfolio across multiple regions within the zone ensuring effective resolution across delinquency buckets vendor performance legal execution and compliance with audit standards The role is pivotal in driving recovery performance and maintaining portfolio health in alignment with business objectives Portfolio Bucket Management Achieve resolution targets as per business requirements across 30 DPD 90 DPD and 180 DPD buckets Minimize forward flow to subsequent delinquency buckets through proactive resolution strategies Monitor gross slippages and manage inventory in line with risk guardrail Recovery NPA Management Drive monthly recovery targets for rural portfolios Track and improve Net NPA performance against monthly targets Ensure timely NPA recovery and account upgrades Vendor Staff Oversight Manage multiple outsourced vendors and field collection teams across the zone Ensure timely allocation of accounts billing confirmation and regular customer visits Create a performance-oriented culture to enhance motivation and productivity Legal Compliance Oversee legal filing coverage and execution for recovery cases Ensure adherence to bank processes and audit requirements Address audit observations and implement corrective actions Training Capability Building Ensure all staff are adequately trained on Agri Loan products collection processes and bank policies Promote continuous learning and development across the zonal team Qualifications Optimal qualification for success on the job is Graduate Postgraduate in Agriculture Finance or related field 10-15 years of experience in collections with significant exposure to Agri or rural lending portfolios Proven experience in managing large teams and multiple vendors across geographies Role Proficiencies For successful execution of the job the candidate should possess the following Strong leadership and strategic management capabilities Excellent communication negotiation and interpersonal skills Analytical mindset with proficiency in data interpretation and MIS tools Sound understanding of legal recovery processes and compliance frameworks Skills Refer to the About Company Axis Bank is the third largest private sector bank in India The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates MSME Agriculture and Retail Businesses The Bank has a large footprint of 4 594 domestic branches including extension counters with 11 333 ATMs 5 710 cash recyclers spread across the country as on 31st March 2021 The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021 The Overseas operations of the Bank are spread over eight international offices with branches at Singapore Dubai at DIFC and Gift City-IBU representative offices at Dhaka Dubai Abu Dhabi Sharjah and an Overseas subsidiary at London UK The international offices focus on Corporate Lending Trade Finance Syndication Investment Banking and Liability Businesses