Portfolio Manager_Personal Loan_0118_2618_1043862_HRR

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