RPMG:Portfolio Manager - Commercial Business 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.

Portfolio Management:

• Manage the portfolio of commercial vehicle and equipment loan products.
• 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 maintaining the delinquency level.
• Achieve calling resolution targets for X & 30 buckets for CVCE products.
• Adhere to calling norm targets for CVCE products.

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.

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.

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.