RPMG:Portfolio Manager - Bharat Banking Loans - FF Infinity

Axis Bank View all jobs

  • Sehore, Madhya Pradesh
  • Permanent
  • Full-time
  • 3 days ago
Job Description:About RMPGThe 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 Portfolio Manager – Bharat Banking is responsible for end‑to‑end management of assigned rural and agri loan portfolios, with focus on portfolio health, pre‑delinquency control, collections efficiency, and recovery outcomes.
The role involves hands‑on execution across PDM, delinquency, and NPA buckets, while ensuring customer centricity, regulatory compliance, and effective agency management.
Key Responsibilities
  • Own and manage assigned Bharat Banking portfolios including Farmer Funding (KCC), Gold Loans, Tractor Loans, MFI, Bharat Enterprises, and allied agri products.
  • Monitor portfolio performance across DPD buckets (0–30, 31–60, 61–90, 90+), NPAs, and write‑off segments.
  • Drive resolution, rollback, recovery, and inventory reduction as per defined targets.
  • Execute Pre‑Delinquency Management (PDM) actions to minimize fresh slippages.
  • Plan and execute field collections through own staff and external agencies.
  • Manage allocation, productivity, billing, and compliance of collection agencies and vendors.
  • Coordinate with legal, repossession, auction, and recovery partners for NPA resolution.
  • Ensure fair customer treatment, handle escalations, and resolve grievances.
  • Maintain adherence to RBI guidelines, internal policies, audit requirements, and SOPs.
  • Prepare and review daily/weekly/monthly MIS and participate in portfolio reviews.
  • Coordinate with Business, Credit, Legal, Operations, and Strategy teams.
QualificationsOptimal qualification for success on the job is:
  • Graduate / Post‑graduate from a recognized institute.
  • 5–10 years of experience in banking or NBFC collections / recovery / rural lending.
  • Prior exposure to Agri, Bharat Banking, MSME, or secured loan portfolios preferred.
Role Proficiencies:For successful execution of the job, the candidate should possess the following:
  • Strong understanding of rural & agri lending portfolios.
  • Experience in PDM, field collections, NPA management, and recovery.
  • Ability to manage large portfolios and multiple agencies.
  • Strong analytical and MIS skills.
  • Good communication skills in English and local language.
  • High standards of integrity, compliance, and customer focus.
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