Portfolio Manager

Manager – Portfolio Operations

Role & responsibilities

• Collections and Delinquency Management : Monitor month-on-month (MoM) numbers for 0–30-day overdue accounts. Respond promptly to requests from the collections team for CIBIL reports, KYC documents, and agreements to support efficient recovery of outstanding dues.
• EMI Initiation Coordination : Contact education loan applicants or co-applicants to inform them about the start of their EMI payments. Clarify the difference between current instalment types and full EMIs and address any questions that arise during these communications.
• Deferral Case Processing : Handle cases where applicants or co-applicants are unable to begin EMI payments due to reasons aligned with RBI / IBA guidelines and InCred's internal policies.
• Bank Relationship Management : Oversee relationships with HSBC and Yes Bank, including opening new savings accounts, creating fixed deposits (FDs), placing and removing liens on FDs, and managing related MIS reports.
• Internal Department Coordination : Manage inquiries from various internal teams such as collections legal, corporate legal, internal audit, compliance, secretarial, finance, and accounts payable.
• Collaboration within Education Loan Operations : Work closely with EL Operations to support transaction processing and disbursement activities.
• Customer Query Handling : Respond to customer service queries related to interest rates, upfront interest, and various charges.
• Upfront Interest Shortfall Management : Coordinate with internal branch teams to investigate reasons for shortfalls in upfront interest collection and ensure outstanding amounts are recovered.
• Forex Operations Support : Coordinate with forex vendors and serve as a backup for forex-related operations.
• MIS Management : Prepare and share management information system (MIS) reports with various stakeholders within the organization.

Preferred candidate profile