RPMG:Portfolio Manager - Commercial Business loans - Field - Infinity

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 CVCE (Commercial Vehicle & Commercial Equipment) is responsible for managing the portfolio of commercial vehicle and equipment 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 commercial vehicle and equipment loan products. . 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 CVCE products. . Adhere to calling norm targets for CVCE 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: . Graduation/Post-Graduation from a recognized institute. . Minimum of 3 years of relevant experience in the NBFC/Banking industry. Desired Qualifications: . Knowledge and understanding of collections and market dynamics. . Knowledge of regulatory guidelines and norms. . Operational and system knowledge. Role Proficiencies: For successful execution of the job, the candidate should possess the following: . Proven experience in portfolio management, preferably within the financial services industry. . Strong analytical skills with proficiency in data analysis and interpretation. . Excellent project management skills with the ability to prioritize and meet deadlines. . Strong interpersonal and communication skills with the ability to collaborate effectively. . Ability to manage complex client situations. . Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment. . Ability to handle pressure and meet deadlines.