Role Overview :
IndusInd Bank is looking for a highly analytical and proactive Portfolio Manager to join the Digital Team of the Bank. This strategic role is responsible for optimizing pricing strategies, managing portfolio risk, maintaining the P&L, and driving revenue growth across retail assets portfolio including loans and credit cards. The ideal candidate will have strong data skills, business acumen, and the ability to convert insights into actions, contributing directly to ROA and risk cost targets.
Key Responsibilities :
Risk Management & Portfolio Segmentation :
- Identify and target customer segments offering high returns with low risk
- Apply data-driven segmentation to reduce portfolio risk and drive profitability
- Monitor and manage key risk metrics relevant to the retail business
Business Scaling & P&L Management :
Maintain and improve the P&L of digital lending products (retail loans, credit cards, etc.)Strategically scale business in profitable segments to enhance ROA and manage risk costDrive portfolio expansion in alignment with digital asset business goalsRevenue & Pricing Strategy :
Optimize pricing across retail digital products to drive revenue growthContinuously improve the risk-reward equation to maximize portfolio profitabilityUnderstand customer behavior to inform and evolve pricing frameworksData Analysis & Strategic Planning :
Hands-on experience with data to generate actionable insights for business decisionsPresent analytical findings and recommendations to senior leadership with clear action plansPrior knowledge of SQL queries and databases is a strong plusCustomer & Profitability Analytics :
Deep understanding of customer segmentation to identify profitable cohortsLeverage insights to improve acquisition, engagement, and portfolio qualityAnalyze trends, compute program-level dynamics, and track profitability leversCross-Functional Execution & Communication :
Collaborate across risk, product, analytics, and tech teams to implement initiativesStrong interpersonal and communication skills to align internal stakeholdersManage and guide team members to ensure timely delivery of outcomesCandidate Profile :
4–7 years of experience in portfolio management, pricing, analytics, or digital lendingExposure to retail loans, credit cards, and digital asset productsSound understanding of retail lending risk metrics and financial KPIsAdvanced Excel skills; SQL or other data querying languages are preferredStrong analytical ability and comfort with data-driven decision-makingUndergraduate degree from top-tier institutes preferredMBA preferredSkills Required
Portfolio Management, Data Analysis, Excel, Sql, Risk Management
