Bharat Banking:Geo Portfolio Manager - Gold Loans

About Bharat Banking

The increasing income diversification, evolution of the tech stack, various government schemes

to improve livelihoods, and integrating the country via roads and the internet have provided

strong tailwinds to the rural and semi urban (RUSU) or Bharat markets.

To better capitalize on the growth runway and open the world of possibilities for the Bharat

customer, the bank has set up a separate Bharat Bank vertical. It is an amalgamation of products

and geography, handling certain core products across the country and all the products in the

RUSU branches.

The objective is to accelerate the growth journey by expanding distribution reach via branches,

partnerships, and digital presence, creating tailored products and processes, and using the One

Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer.

The Bank also continues to focus on growing the book profitably by enhancing productivity,

improving operational efficiency to reduce cost, and containing risk by leveraging technology

such as AI and ML & rigorous portfolio monitoring.

About the Role

A Geography Portfolio Manager in Gold Loans within a bank is responsible for managing the

gold loan portfolio across specific geographic regions, ensuring optimal performance and

compliance.

Preferably, the candidate should have excellent listening and analytical skills, with the ability to

work in tandem with multiple teams. Also, the person should be result-oriented, creative and

comfortable to work within tight deadlines.

Key Responsibilities

To ensure branches meet their min standards to become infra ready and then to manage

activation of branches in respective geographies along with valuer support and payouts

To manage hiring/management of GLOs, REs and valuers in respective geographies (including

resource mapping of all).

To manage implementation of operational processes rolled out by central office and

supportfield team(Driving pilot programs) .

To manage training and development of all resources in the respective geographies

Oversee the gold loan portfolio within assigned geographic regions to ensure optimal

performance and profitability - Manage P&L for geography

Monitor loan disbursements, repayments, and delinquencies to maintain portfolio health

Conduct market research and analysis to understand regional market dynamics and customer

needs and work on Branch Expansion

Develop and implement strategies to grow the gold loan portfolio in specific regions

Identify opportunities for product enhancements or new product offerings based on regional

insights

Prepare and present regional portfolio performance reports to senior management

Engagement with collection & risk team as RAS in increasing trend

Review and monitor business performance via regular MIS reports, and look to improvise/

introduce new MIS to support business

Prepare presentations and reports for the senior management review

Work on P&L, look at the cost somponents and identify areas that need to be reviewed by the

stakeholders; review the monthly P&L and highlight possible discrepancies with the respective

teams

Track the portfolio health and publish reports to the senior management and sales team for

actionable

To ensure Insurance claim follow ups and track policy closures if any

Handle gold related aspects for RBBCs and RRGCs and revert to the respective ATRs

Qualifications

Optimal qualification for success on the job is:

Graduation/ Post Graduation from a recognized institute.

Role Proficiencies:

For successful execution of the job, a candidate should possess the following:

Work in tandem with different teams and have the ability to follow up for closure by

stipulated timeline

He or she should also have deep understating of how the business works.

Preferred Skills:

1. Prior work experience in products/ business teams in bank/ NBFC 2. Data Analytics, with Advanced Excel and Power point Skills 3. Experience of having developed financial products from conceptualization to launch is a big plus 4. Experience in designing incentive structures and sales contests will be handy 5. Experience in writing goals, stories, test-case documents, BRDs will be good to have 6. Creating Schemes to drive product/ platform usage