The Retail Portfolio Management Group (RPMG) plays a strategic role in managing the bank's retail receivables, with a sharp focus on loss containment, cost efficiency, and portfolio sustainability. Through advanced analytics, technology-driven processes, and close collaboration with Credit, Risk, and Product teams, RPMG ensures risk-calibrated policy execution.
RPMG engages delinquent customers with multiple repayment solutions and financial counselling, promoting responsible credit behaviour and long-term financial health. This approach aligns with the bank's overarching Growth, Profitability, and Sustainability (GPS) strategy, positioning RPMG as a key contributor to operational resilience and financial performance.
About the Role
Role Purpose: To lead and manage the gold loan collections portfolio with a focus on reducing delinquencies, ensuring timely recoveries, minimizing NPAs and driving adherence to compliance and fair practices. The role involves strategizing,
monitoring and executing collection processes to achieve collection efficiencies and maintain asset quality
Key Responsibilities
.Portfolio Management and Collections
.Monitor overdue gold loan accounts across all buckets (early, mid, and late-stage delinquencies).
.Ensure resolution of delinquent accounts through structure follow ups fields visits and negotiations.
.Drive collection efficiencies targets (bucket wise and overall) while minimizing slippages and losses.
.Oversee gold loan auction process, adherence to timelines and recovery
.Vendor Management:
.Engage and supervise multiple third-party collection agencies/vendors.
.Ensure vendors adhere to bank policies, SLAs, and compliance norms.
.Conduct regular performance reviews and audits of vendor activities.
.Liaise with branches, regional team to streamline the auction process .
.Bucket Resolution:
.Drive resolution strategies for each delinquency bucket.
.Coordinate with field team
📌 RPMG:Portfolio Manager (Sikar)
🏢 Axis Bank
📍 Sikar
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