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 advantage 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 benefit rationalization cycles (quarterly/annual).
Formal EWS (early warning)



and behaviour scorecards for affluent cohorts; playbooks for pre‐emptive line controls and treatment paths.
UPI‐on‐Credit adoption tracking, MCC/category controls, and merchant/category stimulus strategy.
Formal dormancy and high‐value retention programs.
Growth & Lifecycle
Develop acquisition plans and run acquisition campaigns
Design and execute portfolio growth campaigns to increase activation and usage
Analyse attrition, upgrades, lifecycle and execute actions
Plan and execute merchant/platform-led offers
Disputes & chargeback analytics with TAT governance; systematic fee/interest reversal rules for billing errors; root‐cause loops to other relevant teams
Analytics & Reporting
Build and maintain dashboards
Run forecasts and impact analysis for portfolio changes
Develop current reports and dashboards to enhance visibility
Risk & Collections
Design and manage affluent-specific collections proce

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