About RMPGThe Retail Portfolio Management Group (RPMG) is responsible for ensuring effective debt servicing by the retail borrowers of the Bank.
The RPMG scope covers Pre-delinquency Management (PDM), Bounce Management, Early Delinquency Management (EDM), Pre-NPA Management, NPA Management and Write-offs. The core objective of RPMG is to improve operating efficiency, optimize cost, insulate reputation risk, ensure regulatory compliance and enhance customer experience.
About the RoleThe Portfolio Manager – Bharat Banking is responsible for end‑to‑end management of assigned rural and agri loan portfolios, with focus on portfolio health, pre‑delinquency control, collections efficiency, and recovery outcomes.
The role involves hands‑on execution across PDM, delinquency, and NPA buckets, while ensuring customer centricity, regulatory compliance, and effective agency management.Key Responsibilities
- Own and manage assigned Bharat Banking portfolios including Farmer Funding (KCC), Gold Loans, Tractor Loans, MFI, Bharat Enterprises, and allied agri products.




- Monitor portfolio performance across DPD buckets (0–30, 31–60, 61–90, 90+), NPAs, and write‑off segments.
- Drive resolution, rollback, recovery, and inventory reduction as per defined targets.
- Execute Pre‑Delinquency Management (PDM) actions to minimize fresh slippages.
- Plan and execute field collections through own staff and external agencies.
- Manage allocation, productivity, billing, and compliance of collection agencies and vendors.
- Coordinate with legal, repossession, auction, and recovery partners for NPA resolution.
- Ensure fair customer treatment, handle escalations, and resolve grievances.
- Maintain adherence to RBI guidelines, internal policies, audit requirements, and SOPs.
- Prepare and review daily/weekly/monthly MIS and participate in portfolio reviews.
- Coordinate with Business, Credit, Legal, Operations, and Strategy teams.

QualificationsOptimal qualification for success on the job is:
- G

📌 RPMG:Portfolio Manager (Pune)
🏢 Axis Bank
📍 Pune