Manager- Credit & Portfolio Management

Objective:

To manage and monitor the credit portfolio across products, with a focus on Portfolio Risk, Vintage Risk, and Collection-linked portfolio performance, ensuring early identification of stress and supporting proactive risk mitigation strategies.

Role & responsibilities

Portfolio & Credit Risk Management

• Monitor portfolio health across vintages, delinquency buckets, and collection trends to identify emerging risks.
• Conduct in-depth credit risk analysis and vintage performance reviews; recommend corrective actions for underperforming segments.
• Track ECL (Expected Credit Loss), PD (Probability of Default) models, and other risk parameters to ensure accuracy and relevance.
• Ensure compliance with Basel norms and Ind AS 109 accounting standards.

Data Analytics & Reporting

• Analyze large, complex datasets to derive actionable insights for senior management decision-making.
• Prepare CXO-level dashboards and presentations with key portfolio trends, risk commentary, and strategic recommendations.

Regulatory & Governance

• Stay updated with RBI guidelines applicable to NBFCs and ensure portfolio practices align with regulatory requirements.
• Support internal and external audits with portfolio-related information and documentation.

Collections Risk Integration

• Work closely with Collections to understand stress pockets, roll-forward trends, and recovery performance, linking insights to portfolio risk actions.
• Recommend strategies to control slippages, reduce NPAs, and improve resolution rates.

Others

• Collaborate with Finance, Credit, Collections, Treasury, Data Science, and IT teams for key credit and financial data.
• Work with Head of Risk/ Portfolio Risk to prepare management commentaries on credit risk performance

Preferred candidate profile

• 5+ years of relevant experience in Bank/ NBFC or related consultancy
• Familiar with Basel norms and Ind AS 109
• Experience with ECL/ PD modeling and understanding of Credit Risk Lifecycle.
• Hands on experience with SQL, MS PowerPoint and advanced MS Excel
• Excellent written and verbal communication skills.