About RPMG

The Retail Portfolio Management Group (RPMG) is responsible for ensuring effective debt servicing by the retail borrowers of the Bank.

The RPMG scope covers Pre-delinquency Management (PDM), Bounce Management, Early Delinquency Management (EDM), Pre-NPA Management, NPA Management and Write-offs. The core objective of RPMG is to improve operating efficiency, optimize cost, insulate reputation risk, ensure regulatory compliance and enhance customer experience.

AbouttheRole

The Cluster Portfolio Manager is responsible for overall portfolio performance and governance of a defined cluster, covering multiple districts and portfolios under Bharat Banking.
The role provides strategic direction, operational oversight, and people leadership to Portfolio Managers, ensuring portfolio health, controlled slippages, strong recoveries, regulatory compliance, and customercentric execution across all products in the cluster.

Key Responsibilities

Own endtoend performance of the assigned cluster across Farmer Funding (KCC), Gold Loans, Tractor Loans, MFI, Bharat Enterprises, and allied agri products.
Monitor and drive clusterlevel performance across DPD buckets, NPAs, OOO, and writeoff portfolios.
Ensure achievement of resolution, recovery, rollback, and inventory reduction targets.
Lead, coach, and supervise Portfolio Managers across the cluster.
Drive productivity, discipline, and performance culture through regular reviews and field engagement.
Identify training needs and ensure capability building on products, processes, and compliance.
Oversee field collections and agency deployment across the cluster.
Ensure optimal allocation of cases, productivity management, and cost efficiency.
Monitor agency compliance with Axis Bank code of conduct, RBI norms, and audit requirements.
Take corrective actions on performance or compliance gaps
Drive recovery strategy for NPA and chronic delinquency portfolios at cluster level.
Coordinate with legal, repossession, auction, and recovery partners.
Review legal actions, settlements, upgrades, and closures to ensure timely resolution.
Act as the cluster SPOC for Business, Credit, Legal, Operations, Call Centers, and Strategy teams.
Support rollout of new initiatives, digital tools, pilots, and process changes under Bharat Banking

Qualifications

Graduate / Postgraduate from a recognized institute.
8-12 years of experience in banking or NBFC collections / recovery / rural lending.
Prior experience managing multiple portfolios or regions preferred.
Exposure to Agri / Bharat Banking / MSME / secured loan portfolios is desirable.

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

Strong understanding of rural & agri credit risk and collections.
Proven peoplemanagement and stakeholdermanagement skills.
Strong analytical ability with comfort in MIS, dashboards, and performance reviews.
High standards of integrity, governance, and customer centricity.
Effective communication skills in English and local language.

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