Manager - Portfolio Operations - (Education Loans)

Role & responsibilities

• Collections and Delinquency Management:

  Monitor month-on-month (MoM) numbers for 0-30 day overdue accounts. Respond promptly to requests from the collections team for CIBIL reports, KYC documents, and agreements to support efficient recovery of outstanding dues.

• EMI Initiation Coordination:

  Contact education loan applicants or co-applicants to inform them about the start of their EMI payments. Clarify the difference between current installment types and full EMIs, and address any questions that arise during these communications.

• Deferral Case Processing:

  Handle cases where applicants or co-applicants are unable to begin EMI payments due to reasons aligned with RBI/IBA guidelines and InCred's internal policies.

• Bank Relationship Management

  : Oversee relationships with HSBC and Yes Bank, including opening new savings accounts, creating fixed deposits (FDs), placing and removing liens on FDs, and managing related MIS reports.

• Internal Department Coordination:

  Manage inquiries from various internal teams such as collections legal, corporate legal, internal audit, compliance, secretarial, finance, and accounts payable.

• Collaboration within Education Loan Operations

  : Work closely with EL Operations to support transaction processing and disbursement activities.

• Customer Query Handling

  : Respond to customer service queries related to interest rates, upfront interest, and various charges.

• Upfront Interest Shortfall Management:

  Coordinate with internal branch teams to investigate reasons for shortfalls in upfront interest collection and ensure outstanding amounts are recovered.

• Forex Operations Support:

  Coordinate with forex vendors and serve as a backup for forex-related operations.

• MIS Management:

  Prepare and share management information system (MIS) reports with various stakeholders within the organization.

Preferred candidate profile

• MBA degree preferred, providing a strong foundation in business management and operational excellence.
• Strong interpersonal and communication skills with fluency in English and Hindi (mandatory), and working knowledge of Telugu or Kannada highly preferred, enabling effective coordination across diverse teams and stakeholders.
• Demonstrated ability to manage multiple tasks efficiently under tight deadlines while maintaining attention to detail and portfolio quality.
• Hands-on experience in tracking and monitoring day-to-day delinquencies, EMI payments, and coordinating with branches, product teams, and collections for timely repayments.
• Proven capability to collaborate with various internal departments and banking partners, managing queries and ensuring seamless operations across collections, legal, compliance, finance, and forex functions.