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 advantage 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 (India)
🏢 IDFC FIRST Bank
📍 India