About Retail Portfolio Management Group

The Retail Portfolio Management Group (RPMG) plays a strategic role in managing the bank's retail receivables, with a sharp focus on loss containment, cost efficiency, and portfolio sustainability. Through advanced analytics, technology-driven processes, and close collaboration with Credit, Risk, and Product teams, RPMG ensures risk-calibrated policy execution.
RPMG engages delinquent customers with multiple repayment solutions and financial counseling, promoting responsible credit behavior and long-term financial health. This approach aligns with the bank's overarching Growth, Profitability, and Sustainability (GPS) strategy, positioning RPMG as a key contributor to operational resilience and financial performance.

About the Role
The Portfolio Manager for CBG_SME is responsible for managing the portfolio of CBG_SME Loans, ensuring bucket and NPA resolution, and achieving collection targets. This role involves handling portfolio, achieving resolution and normalization targets, and ensuring compliance with audit procedures.

Key Responsibilities:
. Portfolio Management:
. Manage the portfolio of CBG_SME loans.
. Ensure maximum release from the bucket/NPA pool by achieving the required resolution target as per the business requirement.
. Ensure minimum roll forwards and addition to the NPA pool by maintaining the delinquency level.
. Achieve calling resolution targets for PDM/flows/NPA buckets for CBG_SME loans.
. Adhere to calling norm targets for CBG_SME loans.
. Operational Management:
. Oversee the collection process to ensure efficient and effective portfolio management.
. Monitor and analyze portfolio performance metrics and implement necessary adjustments.
. Ensure compliance with regulatory guidelines and internal policies.
.



Engage defaulting members through telephone, emails, and physical visits to recover payments on defaulted accounts.
. Maintain daily activity logs of calls, physical visits, right party contacts, promises to pay, and promises to pay kept.
. Data Analysis and Reporting:
. Collect, analyze, and interpret data to measure portfolio performance against established KPIs.
. Generate detailed reports on portfolio metrics and provide actionable insights.
. Identify trends, patterns, and opportunities for optimization.
. Process Improvement:
. Continuously evaluate and enhance portfolio management processes and workflows.
. Identify opportunities to improve efficiency and effectiveness.
. Implement industry best practices and emerging technologies.

Qualifications
Optimal qualification for success on the job is:
. Graduation/Post-Graduation from a recognized institute.
. Minimum of 3 years of relevant experience in the NBFC/Banking industry.

Desired Qualifications:
. Knowledge and understanding of collections and market dynamics.
. Knowledge of regulatory guidelines and norms.
. Operational and system knowledge.

Role Proficiencies:
For successful execution of the job, the candidate should possess the following:
. Proven experience in portfolio management, preferably within the financial services industry.
. Robust analytical skills with proficiency in data analysis and interpretation.
. Excellent project management skills with the ability to prioritize and meet deadlines.
. Strong interpersonal and communication skills with the ability to collaborate effectively.
. Ability to manage complex client situations.
. Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment.
. Ability to handle pressure and meet deadlines.

📌 RPMG:Portfolio Manager - CBG - Field - Ninety (Siliguri)
🏢 Axis Bank
📍 Siliguri