Job Description Job Requirements
Role – Senior Manager – Portfolio Management
Function/Department – Credit Card
Location - Mumbai
Job Purpose:
Own 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.
· Portfolio P&L; stewardship and unit-economics governance
· Lifecycle growth levers (activation, usage, spend deepening, attrition reduction)
· Risk partnership and affluent collections strategy
· Inorganic actions (migrations, transitions, sunsets)
· MIS, dashboards, forecasts and budgeting cadence
Primary Responsibilities:
· P&L; & Unit Economics
· Build unit-level metrics and P&L; with Finance
· Prepare monthly portfolio MIS (spends, activation, attrition)
· Ensure timely monthly budgeting and provisioning
· Track partner-led product costs and profitability (e.g., Maharaja Points)
· Rewards economics and breakage modelling with periodic ROI reviews and benefit rationalization cycles (quarterly/annual).
· Formal EWS (early warning) and behaviour scorecards for affluent cohorts; playbooks for pre‐emptive line controls and treatment paths.
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📌 Senior Product Manager-Credit Cards (Maharashtra)
🏢 IDFC FIRST Bank
📍 Maharashtra