Manager/Assistant Manager - Product & Portfolio Management

Role & responsibilities:Key highlights of the role are listed below (purely indicative and not limiting):

• Develop and execute growth strategies for the Credit card Post EMI Portfolio by identifying target customer segments, emerging market opportunities and profitable channels
• Set and monitor growth targets for Post EMI book, disbursal volumes and profitability
• Collaborate with technology and operations teams to identify and implement process improvements, automation and digital tools to enhance operational efficiency and improve system capabilities supporting Post EMI products
• Manage multiple Post EMI acquisition channels including digital platforms (app, portal, external partners) & call centers etc.
• Ensure all EMI program operations comply with applicable regulatory guidelines, RBI norms, and internal policies.

Applicants should possess the following attributes:

• Strong knowledge of Credit Card industry practices, Post EMI/Loan products and EMI structures
• Hands-on experience with Credit Card Post EMI/Loan programs, including product features, pricing structures, conversion processes and customer lifecycle management.
• Strong skills in data analysis, including advanced proficiency in Excel and data analysis tools (Tableau or similar).
• Proven experience in designing and managing partner journeys for CC EMI/Loan sourcing programs
• Customer-focused mindset with awareness of customer pain points in CC EMI/Loan products and dedication to improving the customer journey.
• Experience working cross-functionally with risk, operations, marketing, IT and customer service teams to achieve shared objectives.
• Ability to present complex financial data and portfolio insights in an understandable way to both technical and non-technical stakeholders
• Knowledge of unsecured ending related regulatory frameworks including RBI DLG and compliance standards.
• Capable of guiding and mentoring junior team members and conducting training sessions on portfolio management best practices

• Personal Attributes

• Detail-Oriented:

  Ensures accuracy in portfolio data, reporting, and risk assessments.

• Proactive:

  Anticipates portfolio risks and market changes, taking preventive actions.

• Adaptable:

  Comfortable working in dynamic environments with evolving product features and regulatory landscapes.

• Results-Driven:

  Focused on meeting KPIs related to portfolio growth, risk mitigation, and revenue enhancement.