Portfolio & Service Manager

As a Portfolio & Service Manager in the Business Banking function, your primary responsibility is to monitor critical parameters for customers regularly to ensure the overall health of the portfolio. It is crucial to maintain portfolio hygiene and ensure timely renewals. Building relationships both within and outside the organization to identify value-creating opportunities is essential, contributing significantly to the bank's organizational objectives and budget planning. Your roles and responsibilities include monitoring 8 key parameters for customers, managing the Deferrals process, tracking account conduct, and ensuring the timely acknowledgment of DDPO for balance transfers. Identifying trends from collection metrics and collaborating with the Strategic Business head to develop action plans to minimize delinquencies are vital tasks. Working closely with collections to mitigate NPAs, identifying early warning signals, and partnering with Enterprise Risk to mitigate financial risks are also key responsibilities. Post-NPA, you will provide information to the collections and legal teams, maintaining customer engagement to resolve irregularities within regulatory frameworks. You will classify cases for restructuring or legal intervention, devise action plans, and ensure their implementation. Additionally, you will aggregate competitor policies, define collection policies, and implement mechanisms to cater to the target customer segment. Ensuring team adherence to defined processes and policies when dealing with delinquent customers, collaborating with business and support teams for issue resolution, and overseeing agency management are critical aspects of your role. Driving business and data analytics, recommending process and policy improvements, staying updated on global market trends and competitor strategies, and leading initiatives to reduce operational costs and increase profitability are also part of your responsibilities. To qualify for this role, you should have a Bachelor's degree in Engineering, Technology, Maths, Commerce, Arts, Science, Biology, Business, Computers, or Management. A post-graduate degree such as an MBA or PGDM is preferred. Additionally, you should have at least 8 years of experience in business banking. Your contribution as a Portfolio & Service Manager will play a significant role in ensuring the financial institution's portfolio health and achieving organizational objectives.,