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. Through advanced analytics, technology-driven processes, and close collaboration with Credit, Risk, and Product teams, RPMG ensures risk-calibrated policy execution

About the Role
The Portfolio Manager for Credit Cards is responsible for managing the portfolio of credit cards, ensuring bucket and NPA resolution, minimizing roll forwards, and achieving collection targets. This role involves handling the portfolio and achieving resolution, normalization, recovery targets and ensuring compliance with audit procedures.

Key Responsibilities
Portfolio Management:
. Manage the portfolio of Credit Cards.
. Ensure maximum release from the bucket/NPA pool by achieving the required resolution target as per the business

requirement.
. Ensure minimum roll forwards and addition to the NPA pool by maintaining the delinquency
. Achieve calling resolution targets for PDM/flows/NPA buckets/recoveries for credit cards.
. Adhere to calling norm targets for Credit Cards.
. Should have knowledge of legal and regulatory procedures applicable to unsecured portfolio

Operational Management:
. Oversee the collection process to ensure efficient and effective portfolio management.
. Monitor and analyze portfolio performance metrics and implement necessary adjustments.
. Ensure compliance with regulatory guidelines and internal policies.
. Engage defaulting members through telephone, emails, and physical visits to recover payments on defaulted accounts.
. Maintain daily activity logs of calls, physical visits, right party contacts, promises to pay, and promises to pay kept.

Data Analysis and Reporting:
. Collect, analyze, and interpret data to measure portfolio performance against established KPIs.
. Generate detailed reports on portfolio metrics and provide actionable insights.
. Identify trends, patterns, and opportunities for optimization.

Process Improvement:
. Continuously evaluate and enhance portfolio management processes and workflows.
. Identify opportunities to improve efficiency and effectiveness.
. Implement industry best practices and emerging technologies.

Qualifications
Optimal qualification for success on the job is:
. Graduation/Post-Graduation from a recognized institute.
. Minimum of 3 years of relevant experience in the NBFC/Banking industry.

Desired Qualifications:
. Knowledge and understanding of collections and market dynamics.
. Knowledge of regulatory guidelines and norms.
. Operational and system knowledge.

Role Proficiencies:
For successful execution of the job, the candidate should possess the following:
. Proven experience in portfolio 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 client situations.
. Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment.
. Ability to handle pressure and meet deadlines.

RPMG:Portfolio Manager - Credit Card - Field - NPA