Job DescriptionJob Requirements
nRole – Senior Manager – Portfolio Management
nFunction/Department – Credit Card
nLocation - Mumbai
nJob Purpose:
nOwn portfolio P&L; and unit economics; drive lifecycle levers; design affluent collections with Risk; govern perk costs and migrations; and deliver disciplined MIS, forecasting and reviews.
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Portfolio P&L; stewardship and unit-economics governancen
Lifecycle growth levers (activation, usage, spend deepening, attrition reduction)n
Risk partnership and affluent collections strategyn
Inorganic actions (migrations, transitions, sunsets)n
MIS, dashboards, forecasts and budgeting cadencen

nPrimary Responsibilities:
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P&L; & Unit Economicsn
Build unit-level metrics and P&L; with Financen
Prepare monthly portfolio MIS (spends, activation, attrition)n
Ensure timely monthly budgeting and provisioningn
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 campaignsn
Design and execute portfolio growth campaigns to increase activation and usagen
Analyse attrition, upgrades, lifecycle and execute actionsn
Plan and execute merchant/platform-led offersn
Disputes & chargeback analytics with TAT governance; systematic fee/interest reversal rules for billing errors; root‐cause loops to other relevant teamsn
Analytics & Reportingn
Build and maintain dashboardsn
Run forecasts and impact analysis for portfolio changesn
Develop recent reports and dashboards to enhance vis

📌 Senior Product Manager Credit Cards Raigarh
🏢 IDFC FIRST Bank
📍 Raigarh