RPMG:Cluster Portfolio Manager - Credit Card - Field - Front

Mumbai, Maharashtra
Permanent
Full-time

2 months ago

Job Description:About Retail Portfolio Management GroupThe 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 executionAbout the Role
The Cluster Portfolio Manager for Credit Cards handles multiple geographies on delinquent portfolio. Cluster Portfolio Manager ensures Bucket and NPA resolution/ Recovery and manages the portfolio as per the existing process. Cluster Portfolio Manager also ensures compliance with the audit procedures of the bank.Key Responsibilities

Ensure maximum release from the Bucket/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

Qualifications
Optimal qualification for success on the job is:

Graduation/ post-graduation from a recognized institute
10 to 15 years with relevant experience.

Role Proficiencies:
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.

Skills:Refer to the Job DescriptionAbout Company:Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The Bank has a large footprint of 4,594 domestic branches (including extension counters) with 11,333 ATMs & 5,710 cash recyclers spread across the country as on 31st March, 2021. The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021.The Overseas operations of the Bank are spread over eight international offices with branches at Singapore, Dubai (at DIFC) and Gift City-IBU; representative offices at Dhaka, Dubai, Abu Dhabi, Sharjah and an Overseas subsidiary at London, UK. The international offices focus on Corporate Lending, Trade Finance, Syndication, Investment Banking and Liability Businesses

Axis Bank

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