Portfolio Manager-Personal Loans

1 day ago

Mumbai, Maharashtra, India Small Finance Bank Full time ₹ 12,00,000 - ₹ 36,00,000 per year

Job Title:
Product & Programme Manager – Personal Loans

Location:
Kalina, Mumbai

Department:
Personal Loans

Experience:
7–12 years in Retail Lending, with at least 2 years in Personal Loans, Risk Analysis, Scorecard, or other Unsecured Products

Qualification:
MBA/PGDM (Finance/Analytics), CA, or equivalent

Candidates must be currently based in Mumbai – no relocation accepted

About the Role

We are looking for a Product & Programme Manager – Personal Loans who will take end-to-end ownership of the product lifecycle and programme execution. The role involves product design, portfolio management, risk strategy, and P&L ownership to ensure sustainable growth and profitability in the Personal Loans business.

Key Responsibilities

Product Strategy & Development

  • Define and manage the product roadmap aligned with business goals
  • Design product propositions, pricing frameworks, and eligibility criteria
  • Develop customer-centric digital journeys across sourcing, underwriting, servicing, and collections
  • Propose policy enhancements based on data insights and risk trends

P&L & Budgeting

  • Own P&L and financial performance of the Personal Loans portfolio
  • Build annual budgets, forecasts, and financial models
  • Monitor NIMs, credit costs, fee income, and cost of acquisition
  • Recommend corrective actions to optimize profitability

Portfolio Analytics & Risk Management

  • Conduct portfolio reviews to track disbursals, book size, delinquencies, and yields
  • Use analytics to identify early warning signals and recommend preventive strategies
  • Work with risk and credit teams to align product policies with the risk appetite

Programme Management & Execution

  • Lead new product features, process improvements, and digital initiatives
  • Collaborate with cross-functional teams (Credit, Risk, Tech, Finance, Operations, Marketing, Compliance)
  • Track project progress and ensure timely delivery

Compliance & Governance

  • Ensure compliance with RBI regulations, internal policies, and audit requirements
  • Maintain governance standards for product approval, review, and monitoring

Candidate Requirements

  • Proven experience in Personal Loan portfolio management in a Bank or NBFC
  • Strong financial and analytical skills with P&L management experience
  • Knowledge of credit policies, risk management, and regulatory frameworks
  • Exposure to data-driven decision-making and analytics tools
  • Strong communication and stakeholder management skills

How to Apply:

Interested candidates can share their CVs at

Subject Line:
Portfolio Manager – Personal Loans (Mumbai)

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