RPMG: Portfolio Manager â€' Reach Market
INTERNAL USAGE:
No. of Vacancies:	Reports to:	Cluster Portfolio Manager
Is a Team leader	N	Team Size:
Grade:	AM/DM
Business:	Retail Banking	Department:	Retail Portfolio Management Group	Sub - Department:
Location:	PAN India
About Retail Portfolio Management Group
The RPMG department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the receivables/collections business of the bank
About the Role
The Portfolio Manager for reach market is responsible for managing the portfolio of retail loans portfolio, ensuring NPA resolution, and achieving collection targets. This role involves handling the Risk portfolio, achieving resolution and normalization targets, and ensuring compliance with audit procedures.
Key Responsibilities
Portfolio Management: Manage the portfolio of retail 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 business targets . 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.
Qualifications
Role Proficiencies:
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.

RPMG:Portfolio Manager - Reach Market