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 · P

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