Senior Portfolio Manager / Portfolio Manager

Key Responsibilities :

1.   Sales Growth

Achieve sales targets through the following actions :

• Drive pipeline funnel to achieve book size and market share.
• Monitor local market trends and competitive offerings, identifying opportunities for business expansion in the region.
• Ensure minimal client attrition through strong client engagement activities.
• Regularly engage with investment bankers, chartered accountants, and brokers to source new business.
• Raise escalation on delinquent cases / potential NPAs and closely monitor these through the team for collection dues.
• Track key accounts in the portfolio for business health and early warning signs of NPAs.

2. Client Acquisition & Relationship Management

• Acquisition of new clients by identifying potential leads and conversion strategies & also servicing & managing current portfolio.
• Increase area business volume through strong cross-selling initiatives and innovative product offerings.
• Cultivate deeper customer relationships by ensuring faster turnaround times (TATs) in collaboration with Credit Analysts.
• Utilize technology to improve operational efficiencies and responsiveness in customer service, ensuring retention of existing customers.

3. Disbursal - Timely Loan Disbursement with Proper Documentation

• Coordinating with internal stakeholders to process loan applications.
• Responding to queries from internal teams to ensure timely and accurate disbursal.
• Completing transactions with customers with the appropriate documentation.

4. Market Intelligence

• Gather market intelligence on competitive strategies, policies, and processes regularly.
• Share the collected market intelligence with the Area Sales Manager to adjust business tactics accordingly.

5. Portfolio Quality & Profitability

• Track overdue accounts daily for the business and ensure timely collections.
• Intervene to ensure collection on initial overdue accounts in a timely manner.
• Ensure profitability by applying appropriate pricing strategies and processing fees.
• Implement cost management initiatives on a timely and accurate basis.

6. Organization Process Efficiency

• Adhere to all processes for both pre and post-sourcing activities.
• Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational performance.

Skills Required

Portfolio Management, Portfolio, Servicing, Acquisition