Job title: Portfolio Analyst - LAP Credit
Location: Gurugram
BU/Function : Consumer banking - Credit

Role Details
The incumbent is responsible for monitoring, analyzing, and managing the performance of the retail assets. The role focuses on portfolio performance tracking, delinquency control, and supporting business decisions through data-driven insights. The incumbent will further be responsible for overseeing and ensuring adherence to internal policies and regulatory requirements governing the bank’s retail asset products. The role will act as a critical interface between Business, Risk, Credit, Legal, and Regulatory teams to ensure full compliance with RBI regulations, internal governance standards, and audit requirements. The role will also manage compliance testing, and regulatory issue closure.

Key Responsibilities

Portfolio monitoring
Track and analyze portfolio performance across key parameters such as outstanding, delinquency (DPD buckets), Flow, NPA levels, and trends
Prepare regular MIS dashboards (daily/weekly/monthly) for senior management and stakeholders




Internal Governance Management
Track and monitor periodic review and renewal of policies, product programs, and SOPs as per internal governance timelines.
Proactively coordinate with credit, product, business units and support functions to ensure timely completion of reviews
Design and maintain an effective tracking mechanism/dashboard for policy and document renewals.
Regulatory & Internal Compliance
Ensure that policy, product program documents, SOPs are compliant with all applicable RBI regulations, circulars, notifications, and guidelines related to retail loan products including credit cards and personal loans.
Interpret regulatory requirements and ensure timely incorporation into policies, product programs, SOPs, and operational processes.
Maintain an up-to-date regulatory repository covering all applicable guidelines for retail asset products.
Regulatory Reporting & RBI Interface
Ensure accu

📌 Portfolio Analyst (India)
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