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 (Raigarh)
🏢 IDFC FIRST Bank
📍 Raigarh