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 Auto Products (Used Car & Current Car) is responsible for managing the portfolio of auto loans, ensuring NPA resolution, and achieving collection targets. This role involves handling the Risk – 60 portfolio, achieving resolution and normalization targets, and ensuring compliance with audit procedures.

Key Responsibilities

- Portfolio Management:
- Manage the portfolio of auto loan products including Used Car and New Car loans.
- Ensure maximum release from the NPA pool by achieving the required resolution target as per the business requirement.
- Ensure minimum addition to the NPA pool by maintaining the delinquency level.
- Achieve calling resolution targets for X & 30 buckets for auto loan products.
- Adhere to calling norm targets for auto loan products.
- 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.
- Strong 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.

Refer to the

📌 RPMG:Portfolio Manager - Auto Loans - Field - Infinity (Raipur)
🏢 Axis Bank
📍 Raipur