RPMG:Portfolio Manager - Gold Loan - Field - End to End

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 counselling, promoting responsible credit behaviour 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.

About the Role

Role Purpose: To lead and manage the gold loan collections portfolio with a focus on reducing delinquencies, ensuring timely recoveries, minimizing NPAs and driving adherence to compliance and fair practices. The role involves strategizing, monitoring and executing collection processes to achieve collection efficiencies and maintain asset quality

Key Responsibilities
.Portfolio Management and Collections
.Monitor overdue gold loan accounts across all buckets (early, mid, and late-stage delinquencies).
.Ensure resolution of delinquent accounts through structure follow ups fields visits and negotiations.
.Drive collection efficiencies targets (bucket wise and overall) while minimizing slippages and losses.
.Oversee gold loan auction process, adherence to timelines and recovery
.Vendor Management:
.Engage and supervise multiple third-party collection agencies/vendors.
.Ensure vendors adhere to bank policies, SLAs, and compliance norms.
.Conduct regular performance reviews and audits of vendor activities.
.Liaise with branches, regional team to streamline the auction process .

.Bucket Resolution:
.Drive resolution strategies for each delinquency bucket.
.Coordinate with field teams and vendors to ensure timely follow-ups and closures.
.Process Adherence:
.Ensure all collection activities are conducted as per the bank's standard operating procedures.
.Maintain accurate and timely documentation of collection efforts.
.Compliance & Audit:
.Ensure full compliance with internal audit guidelines and regulatory requirements.
.Address audit observations and implement preventive measures.

.Reporting & MIS:
.Prepare and present periodic reports on collection performance, vendor efficiency, and portfolio health.
.Use data analytics to identify risk areas and recommend strategic interventions.

Qualifications

Optimal qualification for success on the job is:
.Graduate/Postgraduate in Finance, Agriculture, or related field.
.5-10 years of experience in collections, preferably in Agri or rural lending portfolios.
.Strong understanding of Agri Loan products and rural customer behavior.
.Experience in managing external vendors and field collection teams.

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:
.Excellent communication and negotiation skills.
.Strong analytical and problem-solving abilities.
.Proficiency in MS Excel and collection management systems.
.Knowledge of regulatory and compliance frameworks in rural lending.