RPMG: Circle Portfolio Manager - CBG

About Retail Portfolio Management Group
The RPMG department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank About the Role The team is responsible for monitoring the portfolio for irregularities in various buckets and managing the receivables. A Circle Portfolio Manager works closely with Circle Heads, Center Heads, RMs and analysts as a part of the collections process. They monitor irregularities in various buckets like 0-30 DPD, 31 - 60DPD, 60-90DPD and 90+ and then make use of collections strategies relevant to the scenario

Key Responsibilities
Responsible for leading the collections efforts in the designated circle.
Ensuring effective monitoring and frequent review of portfolio and applying various collections strategies in adherence to the policies Containment of irregularities levels in various buckets i. e. , like 0-30DPD, 31-60DPD, 60-90DPD and 90+ Containment of NPAs (NPA additions) in the portfolio Triggering legal actions in the accounts in line with policy Recoveries/upgrades in coordination with other teams Providing feedback to Coverage/Product/Risk teams whenever applicable Monitoring accounts appearing irregular due to No Credit, Non-renewal, Non-Submission of Stock Statements Gathering marketing intelligence by building a network with the collection s teams across organizations Qualifications Education: Graduate/Postgraduate/CAs Experience: 18-22 years. Prior experience in Corporate Collections preferred Role Proficiencies:

. Teams are motivated and charged always.
Knowledge - Possess sufficient knowledge, skills, and abilities to run the collection department with experience in handling NPA, PNPA - all activities to be done with highest level of efficiency & TAT sensitivity.
Skills - Team management / Relationship Management Abilities - Team building / Leadership to engage and influence changes to drive business outcomes