Role Overview:
IndusInd Bank is looking for a highly analytical and proactive Portfolio Manager to join the Digital Team of the Bank. This strategic role is responsible for optimizing pricing strategies, managing portfolio risk, maintaining the P&L, and driving revenue growth across retail assets portfolio including loans and credit cards. The ideal candidate will have strong data skills, business acumen, and the ability to convert insights into actions, contributing directly to ROA and risk cost targets.
Key Responsibilities:
Risk Management & Portfolio Segmentation:
- Identify and target customer segments offering high returns with low risk
- Apply data-driven segmentation to reduce portfolio risk and drive profitability
- Monitor and manage key risk metrics relevant to the retail business
Business Scaling & P&L Management:
- Maintain and improve the P&L of digital lending products (retail loans, credit cards, etc.)
- Strategically scale business in profitable segments to enhance ROA and manage risk cost
- Drive portfolio expansion in alignment with digital asset business goals
Revenue & Pricing Strategy:
- Optimize pricing across retail digital products to drive revenue growth
- Continuously improve the risk-reward equation to maximize portfolio profitability
- Understand customer behavior to inform and evolve pricing frameworks
Data Analysis & Strategic Planning:
- Hands-on experience with data to generate actionable insights for business decisions
- Present analytical findings and recommendations to senior leadership with clear action plans
- Prior knowledge of SQL queries and databases is a strong plus
Customer & Profitability Analytics:
- Deep understanding of customer segmentation to identify profitable cohorts
- Leverage insights to improve acquisition, engagement, and portfolio quality
- Analyze trends, compute program-level dynamics, and track profitability levers
Cross-Functional Execution & Communication:
- Collaborate across risk, product, analytics, and tech teams to implement initiatives
- Strong interpersonal and communication skills to align internal stakeholders
- Manage and guide team members to ensure timely delivery of outcomes
Candidate Profile:
- 47 years of experience in portfolio management, pricing, analytics, or digital lending
- Exposure to retail loans, credit cards, and digital asset products
- Sound understanding of retail lending risk metrics and financial KPIs
- Advanced Excel skills; SQL or other data querying languages are preferred
- Strong analytical ability and comfort with data-driven decision-making
- Undergraduate degree from top-tier institutes preferred
- MBA preferred
