RPMG:Circle Portfolio Manager - Mortgage Loans

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.

• Ensure maximum release from the NPA pool by achieving the required resolution target as per the business requirement
• Ensure minimum addition to the NPA pool by keeping the portfolio in check by maintaining the delinquency level
• Prepare contingency plan for all collection related activities.
• Manage the team of Bucket Managers and ensure achievement of the monthly resolution targets
• Ensure that all collection agencies are fully compliant with RBI guidelines and bank's collection policy
• Ensure adherence to the set process and audit requirements in place
• Ensure minimum forward flow from the buckets
• Ensure that assigned locations and collections agencies have sufficient manpower
• Create a performance oriented environment leading to high employee motivation and productivity
• Ensure that all staff are adequately trained on the products of the bank, processes and various policies of the bank

• Graduation/ Post-Graduation from a recognized institute

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

• Knowledge and understanding of collections and market dynamics.
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language.
• Ability to manage complex client situations.
• Extensive geographical knowledge.
• Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment.
• Ability to handle pressure and deadlines.

Incorporated in 1994, Axis Bank is one of India's most trusted banks & the third largest in the private sector. At Axis Bank, customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control framework & a large talent pool.

The Bank has a young & engaged workforce of over 60,000 employees, with an average age of 30 years. We are an equal opportunity employer & believe in empowering our employees by offering rich roles, learning opportunities & flexibility to chart their career, their way.