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 advantage costs and migrations;
and deliver disciplinedMIS, forecasting and reviews.
N
n
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 N

nPrimary Responsibilities:
N
n
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 current reports andd

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