Job DescriptionJob Requirements
nRole – Senior Manager – Portfolio Management
nFunction/Department – Credit Card
nLocation - Mumbai
nJob Purpose:
nOwn portfolio P&L; and unit economics; drive lifecycle levers; design affluent collections with Risk; govern benefit costs and migrations; and deliver disciplined MIS, forecasting and reviews.
n· Portfolio P&L; stewardship and unit-economics governance
n· Lifecycle growth levers (activation, usage, spend deepening, attrition reduction)
n· Risk partnership and affluent collections strategy
n· Inorganic actions (migrations, transitions, sunsets)
n· MIS, dashboards, forecasts and budgeting cadence
nPrimary Responsibilities:
n· P&L; & Unit Economics
n· Build unit-level metrics and P&L; with Finance
n· Prepare monthly portfolio MIS (spends, activation, attrition)
n· Ensure timely monthly budgeting and provisioning
n· Track partner-led product costs and profitability (e.g., Maharaja Points)
n· Rewards economics and breakage modelling with periodic ROI reviews and benefit rationalization cycles (quarterly/annual).




n· Formal EWS (early warning) and behaviour scorecards for affluent cohorts; playbooks for pre‐emptive line controls and treatment paths.
n· UPI‐on‐Credit adoption tracking, MCC/category controls, and merchant/category stimulus strategy.
n· Formal dormancy and high‐value retention programs.
n· Growth & Lifecycle
n· Develop acquisition plans and run acquisition campaigns
n· Design and execute portfolio growth campaigns to increase activation and usage
n· Analyse attrition, upgrades, lifecycle and execute actions
n· Plan and execute merchant/platform-led offers
n· Disputes & chargeback analytics with TAT governance; systematic fee/interest reversal rules for billing errors; root‐cause loops to other relevant teams
n· Analytics & Reporting
n· Build and maintain dashboards
n· Run forecasts and impact analysis for portfolio changes
n· Develop recent reports and dashboards to enhance visibility
n· Ris

📌 Senior Product Manager-Credit Cards (Maharashtra)
🏢 IDFC FIRST Bank
📍 Maharashtra