RPMG : Portfolio Manager - Auto Loans

RPMG : Portfolio Manager - Auto Loans

INTERNAL USAGE : No. of Vacancies :

Reports to :

Cluster Portfolio Manager

Is a Team leader

Team Size : Grade :

AM / DM

Business : Retail Banking

Department :

Retail Portfolio Management Group

Sub - Department : Auto Loans

Location : PAN India

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 & New 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 :

Desired Qualifications :

Role Proficiencies :

For successful execution of the job, the candidate should possess the following :

About Axis

Incorporated in 1994, Axis Bank is one of India's most trusted banks & the third largest in the private sector. At Axis Bank, customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control framework & a large talent pool.

The Bank has a young & engaged workforce of over 60,000 employees, with an average age of 30 years. We are an equal opportunity employer & believe in empowering our employees by offering rich roles, learning opportunities & flexibility to chart their career, their way.

Skills Required

Refer to the Job Description