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.· UPI‑on‑Credit adoption tracking, MCC/category controls, and merchant/category stimulus strategy.· Formal dormancy and high‑value retention programs.· Growth & Lifecycle· Develop acquisition plans and run acquisition campaigns· Design and execute portfolio growth campaigns to increase activation and usage· Analyse attrition, upgrades, lifecycle and execute actions· Plan and execute merchant/platform-led offers· Disputes & chargeback analytics with TAT governance; systematic fee/interest reversal rules for billing errors; root‑cause loops to other relevant teams· Analytics & Reporting· Build and maintain dashboards· Run forecasts and impact analysis for portfolio changes· Develop current reports and dashboards to enhance visibility· Risk & Collections· Design and manage affluent-specific collections process· Partner with Risk to monitor

📌 Senior Product Manager-credit Cards (Mumbai)
🏢 IDFC FIRST Bank
📍 Mumbai