RPMG : Circle Portfolio Manager - Mortgage Loans - Field - Ninety

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 Circle Portfolio Manager handles multiple geographies on delinquent portfolio for specific products. Circle Portfolio Manager ensures NPA resolution and manages the portfolio as per the existing process. Cluster Portfolio Manager also ensures compliance with the audit procedures of the bank

Key Responsibilities

• .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 keeping the portfolio in check by maintaining the delinquency level
• .Prepare contingency plan for all collection related activities.
• .Manage the team of Bucket Managers and ensure achievement of the monthly resolution targets
• .Ensure that all collection agencies are fully compliant with RBI guidelines and bank's collection policy
• .Ensure adherence to the set process and audit requirements in place
• .Ensure minimum forward flow from the buckets
• .Ensure that assigned locations and collections agencies have sufficient manpower
• .Create a performance oriented environment leading to high employee motivation and productivity
• .Ensure that all staff are adequately trained on the products of the bank, processes and various policies of the bank

Qualifications

Optimal qualification for success on the job is :

Role Proficiencies :

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

Skills Required

Collections, regulatory guidelines , Advanced Analytics