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RPMG:Portfolio Manager - Mortgage Loans - Field - Infinity
RPMG:Portfolio Manager - Mortgage Loans - Field - InfinityConfidential • Solapur, India
RPMG : Portfolio Manager - Mortgage Loans - Field - Infinity

RPMG : Portfolio Manager - Mortgage Loans - Field - Infinity

Confidential • Solapur, India
5 days ago
Job description

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 Mortgage products (Home Loan, LAP & Asha) is responsible for managing the portfolio of mortgage 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 mortgage loan products including Home Loan, Loan Against Property (LAP), and Asha.
  • .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 mortgage products.
  • .Adhere to calling norm targets for mortgage products.
  • .Should have knowledge about SARFAESI Act and the linked secured process.

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.
  • Skills Required

    Portfolio Management, Data Analysis, Operational Management

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    Loans Field Infinity • Solapur, India

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