RPMG:Cluster Portfolio Manager - Bharat Banking Loans - Tractor Loan

Axis Bank View all jobs

  • Bhopal, Madhya Pradesh
  • Permanent
  • Full-time
  • 2 days ago
Job Description:About RPMGThe Retail Portfolio Management Group (RPMG) is responsible for ensuring effective debt servicing by the retail borrowers of the Bank.The RPMG scope covers Pre-delinquency Management (PDM), Bounce Management, Early Delinquency Management (EDM), Pre-NPA Management, NPA Management and Write-offs. The core objective of RPMG is to improve operating efficiency, optimize cost, insulate reputation risk, ensure regulatory compliance and enhance customer experience.
About the Role
The Cluster Portfolio Manager is responsible for overall portfolio performance and governance of a defined cluster, covering multiple districts and portfolios under Bharat Banking.
The role provides strategic direction, operational oversight, and people leadership to Portfolio Managers, ensuring portfolio health, controlled slippages, strong recoveries, regulatory compliance, and customer‑centric execution across all products in the cluster.
Key Responsibilities
  • Own end‑to‑end performance of the assigned cluster across Farmer Funding (KCC), Gold Loans, Tractor Loans, MFI, Bharat Enterprises, and allied agri products.
  • Monitor and drive cluster‑level performance across DPD buckets, NPAs, OOO, and write‑off portfolios.
  • Ensure achievement of resolution, recovery, rollback, and inventory reduction targets.
  • Lead, coach, and supervise Portfolio Managers across the cluster.
  • Drive productivity, discipline, and performance culture through regular reviews and field engagement.
  • Identify training needs and ensure capability building on products, processes, and compliance.
  • Oversee field collections and agency deployment across the cluster.
  • Ensure optimal allocation of cases, productivity management, and cost efficiency.
  • Monitor agency compliance with Axis Bank code of conduct, RBI norms, and audit requirements.
  • Take corrective actions on performance or compliance gaps
  • Drive recovery strategy for NPA and chronic delinquency portfolios at cluster level.
  • Coordinate with legal, repossession, auction, and recovery partners.
  • Review legal actions, settlements, upgrades, and closures to ensure timely resolution.
  • Act as the cluster SPOC for Business, Credit, Legal, Operations, Call Centers, and Strategy teams.
  • Support rollout of new initiatives, digital tools, pilots, and process changes under Bharat Banking
QualificationsOptimal qualification for success on the job is:
  • Graduate / Post‑graduate from a recognized institute.
  • 8–12 years of experience in banking or NBFC collections / recovery / rural lending.
  • Prior experience managing multiple portfolios or regions preferred.
  • Exposure to Agri / Bharat Banking / MSME / secured loan portfolios is desirable.
Role Proficiencies:For successful execution of the job, the candidate should possess the following:
  • Strong understanding of rural & agri credit risk and collections.
  • Proven people‑management and stakeholder‑management skills.
  • Strong analytical ability with comfort in MIS, dashboards, and performance reviews.
  • High standards of integrity, governance, and customer centricity.
  • Effective communication skills in English and local language.
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