RPMG:Circle Portfolio Manager - Credit Card

RPMG:
Circle Portfolio Manager - Credit Card
INTERNAL USAGE:
No. of Vacancies:

Reports to:

National Portfolio Manager       Is a Team leader     Y     Team Size:
Grade:
AVP/VP       Business:
Credit Card     Department:
Retail Portfolio Management Group     Sub   -   Department:

Location:

PAN India       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 receivables/collections business of the bank       About        the
Role       The Circle Portfolio Manager handles multiple geographies on delinquent portfolio for specific products. Circle Portfolio Manager ensures NPA resolution and manages the portfolio as per the existing process. Circle Portfolio Manager also ensures compliance with the audit procedures of the bank       

Key Responsibilities
Ensure maximum release from the NPA pool by achieving the required resolution target as per the business requirement
Ensure minimum addition to the NPA pool by keeping the portfolio in check by maintaining the delinquency level
Prepare contingency plan for all collection related activities.
Manage the team of Bucket Managers and ensure achievement of the monthly resolution targets
Ensure that all collection agencies are fully compliant with RBI guidelines and bank's collection policy
Ensure adherence to the set process and audit requirements in place
Ensure minimum forward flow from the buckets
Ensure that assigned locations and collections agencies have sufficient manpower
Create a performance oriented environment leading to high employee motivation and productivity
Ensure that all staff are adequately trained on the products of the bank, processes and various policies of the bank

Qualifications
Graduation/ Post-Graduation from a recognized institute

Role Proficiencies:
For successful execution of the job, the candidate should possess the following:
Knowledge and understanding of collections and market dynamics.
Knowledge of regulatory guidelines and norms
Good communication (both verbal and written) skill in both English and the local language.
Ability to manage complex client situations.
Extensive geographical knowledge.
Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment.
Ability to handle pressure and deadlines.