RPMG : Portfolio Manager - Auto 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 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 :

Skills Required

Portfolio Management, Data Analysis, Operational Management, Collections