Rpmg:strategy Team

**RPMG: Strategy Team - Bharat Banking & Reach Market**

**INTERNAL USAGE**:
**No. of Vacancies**:
**Reports to**:

- VP/AVP

**Is a Team leader?**
- Y

**Team Size**:
**Grade**:

- SM / AVP

**Business**:

- Retail Banking

**Department**:

- Retail Portfolio Management Group

**Sub**Department**:

- Strategy

**Location**:

- Mumbai

**About Retail Portfolio Management Group**
- The RPMG department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, Personal Loans and Credit Cards among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank

**About**the**Role**

**Key Responsibilities**

**Strategic Development**:

- Design and implement effective collection strategies tailored to rural portfolios, taking into account the unique challenges and opportunities in these markets.
- Analyze market trends, customer behavior, and collection performance data to inform strategy adjustments.

**Performance Management**:

- Monitor and evaluate the effectiveness of collection strategies, utilizing key performance indicators (KPIs) to drive continuous improvement.
- Building a cost effective collection channels for respective products.
- Prepare regular reports and presentations for senior management, highlighting performance metrics and strategic recommendations.

**Team Leadership**:

- Lead and mentor a team of collection specialists, providing guidance and support to enhance their skills and performance.
- Foster a culture of accountability, collaboration, and customer-centricity within the team.

**Process Improvement**:

- Work closely with cross-functional teams, including credit risk, sales, and operations, to align collection strategies with overall business objectives.
- Collaborate with external partners and agencies as needed to enhance collection efforts.

**Qualifications**

**_Optimal qualification for success on the job is: _**
- _Graduation/Post-Graduation from a recognized institute. _
- _4+ years of relevant experience in strategy and product management.**_Desired Qualifications: _**
- _Minimum of 8+ years of experience in collections management, with a focus on rural or underserved markets preferred. _
- _Strong analytical skills with the ability to interpret data and make data-driven decisions. _
- _Excellent leadership and team management abilities. _
- _Exceptional communication and interpersonal skills. _
- _Knowledge of relevant laws and regulations governing collections practices. _
- _Proficiency in collection software and Microsoft Office Suite.**Role Proficiencies**:

- Proven experience in strategy and product management, preferably within the financial services industry.
- Strong analytical skills with proficiency in data analysis and interpretation.
- Excellent project management skills with the ability to prioritize and meet deadlines.
- Strong interpersonal and communication skills with the ability to collaborate effectively.
- Ability to manage complex & dynamic situations.
- Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment.
- Ability to handle pressure and meet deadlines