About this role
Job Title:
Portfolio Manager – Personal Loans
Job Purpose:
To manage and grow the Personal Loan portfolio by driving customer engagement, portfolio profitability, delinquency control, cross-selling opportunities, and ensuring adherence to risk and compliance guidelines. The role involves monitoring portfolio performance, maintaining customer relationships, and supporting business growth objectives.
Key Responsibilities:
• Manage and monitor the Personal Loan portfolio to ensure portfolio health and profitability. • Track portfolio performance metrics such as disbursements, utilization, delinquency, roll rates, and customer retention. • Engage with existing customers to strengthen relationships and identify cross-sell and up-sell opportunities. • Drive portfolio growth through customer acquisition referrals and repeat business. • Analyze portfolio trends and identify risks impacting business performance. • Coordinate with sales, operations, credit, and collections teams to ensure smooth portfolio management. • Monitor early delinquency accounts and support collection efforts for overdue customers. • Ensure compliance with internal policies, regulatory requirements, and audit guidelines. • Prepare MIS reports and portfolio performance reviews for management. • Handle customer queries and complaints within defined service standards. • Maintain high levels of customer satisfaction and service quality.
Desired Candidate Profile:
Education:
• Graduate in any discipline. • MBA/PGDM preferred.
Experience:
• 3 to 8 years of experience in Personal Loans, Consumer Lending, Retail Assets, Portfolio Management, or Relationship Management. • Experience in portfolio monitoring, customer servicing, and retail lending products preferred.
Key Skills:
• Personal Loan Portfolio Management • Retail Lending Products • Customer Relationship Management • Portfolio Analytics & MIS • Credit & Risk Awareness • Collections Coordination • Cross-Selling & Upselling • Communication & Negotiation Skills • MS Excel & Data Analysis • Compliance and Regulatory Knowledge
Key Competencies:
• Strong analytical and problem-solving skills. • Customer-centric approach. • Ability to manage multiple stakeholders. • Result-oriented with focus on portfolio quality. • Good communication and interpersonal skills. • Effective decision-making and risk assessment abilities.
Performance Metrics (KPIs):
• Portfolio Growth • Portfolio Profitability • Delinquency & NPA Control • Customer Retention Rate • Cross-Sell Revenue • Customer Satisfaction Scores • Compliance Adherence • Collection Efficiency