SECTION I: ROLE INTRODUCTION

Outlines the basic information of the role.

Job Title

Product Manager

Reporting To

Senior Product Manager or Head Product & Portfolio

Job Code ID

COB3G66EE

Business Unit

Commercial Banking

Grade/ Level

G6 to G10

Sub Business Unit

Product and Portfolio Management

Management Band

Junior Management

Location

Mumbai

Section II: JOB ROLE SCOPE

Outlines the count of employees reporting and financial metrics of the role.

Number of Direct Reports

NA

Financial Metrics (Budget, Revenue, etc.)

Cost Centre

NA

Total Team Size

NA

SECTION III: PURPOSE OF THE ROLE

A two-to-three-line statement outlining the objective or the reason for which the job exists.

Portfolio and Risk Monitoring

SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE

Portfolio and Risk Monitoring

Responsibilities

KPIs

Core Responsibilities

• Maintaining operational and credit risk controls over sanctioned and disbursed portfolio by effectively applying monitoring tools.




• Monitoring portfolio to assess delinquency trends across various locations, profiles, programs, products, other parameters.
• Analyzing trends regularly to understand overall portfolio behavior and also reasons for defaults by individual customers/ segments and accordingly suggesting appropriate modifications in policy, programs etc. based on trends observed.
• Competition benchmarking (peers and industry level) and tracking portfolio trends which will help in improving product and policy framework.
• Maintaining, enhancing and managing the Early Warning System (EWS) mechanism.
• Designing and developing various portfolio decks for the monitoring of portfolio – delinquency, repayment and outstanding segment wise, disbursements and sanctions across various critical parameters and demography.
• Deriving and highlighting analytical insights from the portfolio monitoring to senior management and stakeholders in order to augment policy decisions across various parameters like demography,

📌 Product Manager (India)
🏢 Yes Bank
📍 India