Job DescriptionJob Requirements NRole – Senior Manager – Portfolio Management NFunction/Department – Credit Card NLocation - MumbainJob Purpose: NOwn portfolio P&L; and unit economics; drive lifecycle levers; design affluent collections with Risk; govern benefit costs and migrations; and deliver disciplinedMIS, forecasting and reviews. Nn 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 NnPrimary Responsibilities: Nn 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 & Lifecyclen 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/interestreversal 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 anddashboards to enhance visibility N Risk & Collectionsn Design and manage affluent-specific collections process N Partner with Risk to monitor credit performance N Inorganic & Transitions N Design and execute migration plans (e.G., Vistara) NnSecondary Responsibilities : Nn P&L; fluency & unit-economics N Experimentation & measurement N Analytical skills (SQL/Excel), dashboarding N Cross-functional orchestration N Risk/collections literacy (roll, flow, cure strategies) for premium books. N Understanding of chargeback regimes (Visa/Mastercard) and issuer dispute ops. N Regulatory knowhow: RBI card conduct (consent for CLI/closures/billing). N Executive communication: crisp BRDs/PRDs, monthly business reviews, and escalation notes. NnManagerial & Leadership Responsibilities Nn Positive, collaborative attitude, Prolific communicator N Ability to evaluate potential business opportunities, structure the team's thinking, and reach insightful answers N Experience in managing multiple cross-functional opportunities and projects in parallel N Ambitious team player with the ability to manage the internal & external partners requirements and tasks in time sensitive situations NnQualifications: MBA Marketing / Finance / Graduate NIndustries: Banking, Fintech NExperience: Nn 7–10 years in portfolio mgmt/risk/analytics N Hands-on MIS/reporting & P&L; ownership N Ability to translate insights into targeted actions N

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