RPMG : Portfolio Manager - Personal Loan - Field - Recovery

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. Through advanced analytics, technology-driven processes, and close collaboration with Credit, Risk, and Product teams, RPMG ensures risk-calibrated policy execution

About the Role

The Portfolio Manager for Personal Loan is responsible for managing the portfolio of personal loan, ensuring Bucket and NPA resolution, and achieving collection targets. This role involves handling the portfolio and achieving resolution / normalization / recovery targets and ensuring compliance with audit procedures.

Key Responsibilities

Portfolio Management :

• .Manage the portfolio of Personal Loan.
• .Ensure maximum release from the Bucket / NPA pool by achieving the required resolution target as per the business requirement.
• .Ensure minimum roll forwards and addition to the NPA pool by maintaining the delinquency level.
• .Achieve calling resolution targets for PDM / X & 30 buckets / mid Buckets / recoveries for Personal Loan.
• .Adhere to calling norm targets for Personal Loan.
• .Should have knowledge of legal and regulatory procedures applicable to unsecured portfolio

Operational Management :

Data Analysis and Reporting :

Process Improvement :

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 :

Skills Required

Operational Management, Data Analysis, Portfolio Management