Manager - Portfolio Management

Job Description: Manager - Portfolio Management (NBFC)

Department: Portfolio Management / Credit Monitoring

Location: Mumbai

Reporting To: National Credit Head

Key Roles & Responsibilities:

1. Portfolio Monitoring & DPD Analysis:

- Monitor the overall loan and investment portfolio on a periodic basis.

- Conduct Daily Past Due (DPD) analysis across all accounts and identify emerging stress accounts.

- Prepare ageing reports, delinquency trends, overdue movement analysis, and recovery dashboards.

- Highlight early warning signals (EWS) and recommend corrective actions.

- Track portfolio quality through key risk indicators and prepare MIS for senior management.

2. Exposure Analysis:

- Monitor borrower-wise, group-wise, sector-wise and geographical exposure.

- Ensure compliance with RBI exposure norms and internal credit concentration limits.

- Analyse utilisation of sanctioned limits and identify concentration risks.

- Prepare exposure reports for Credit Committee, Risk Committee and senior management.

- Review compliance with single borrower, group borrower and sectoral exposure limits.

3. Project Monitoring:

- Monitor progress of funded projects through periodic reviews.

- Review project execution against approved timelines, budgets and milestones.

- Track construction progress, sales velocity, cash flows and utilisation of funds.

- Coordinate with technical consultants, valuation agencies and business teams for project updates.

- Identify implementation delays and recommend mitigation measures.

4. Project Review Reports:

- Prepare comprehensive periodic Project Review Reports (PRRs).

- Analyse operational, financial and legal developments impacting projects.

- Assess covenant compliance and project performance against sanction conditions.

- Present findings to senior management and Credit Committee with recommendations.

- Monitor implementation of approved action plans.

5. Escrow Monitoring & Reconciliation:

- Monitor escrow accounts and ensure adherence to approved cash flow waterfall mechanisms.

- Reconcile escrow collections, payments and account balances on a periodic basis.

- Ensure routing of project receivables through designated escrow accounts.

- Investigate reconciliation exceptions and coordinate with borrowers and operations for timely resolution.

- Prepare periodic escrow monitoring reports.

6. Regulatory & Policy Compliance:

- Ensure all portfolio accounts remain compliant with applicable RBI regulations and internal credit policies.

- Monitor compliance with sanction terms, financial covenants and regulatory reporting requirements.

- Review documentation and ensure adherence to internal approval conditions.

- Coordinate with Legal, Operations and Compliance teams for timely resolution of observations.

- Track regulatory changes impacting portfolio management processes.

7. Security Creation & Perfection:

- Monitor timely creation, registration and perfection of all security documents.

- Ensure completion of mortgage creation, hypothecation, pledge and charge registration.

- Track filings with ROC/CERSAI and other statutory authorities.

- Maintain security perfection tracker and ensure closure of pending documentation.

- Coordinate with legal counsel, borrowers and operations to resolve documentation deficiencies.

8. Audit & Inspection Management:

- Coordinate internal, statutory, concurrent and regulatory audits.

- Prepare audit data, responses and supporting documentation.

- Track closure of audit observations within stipulated timelines.

- Implement corrective and preventive actions arising from audit findings.

- Strengthen portfolio monitoring processes based on audit recommendations.

9. Management Information System (MIS):

- Prepare periodic portfolio MIS and dashboards for management.

- Develop portfolio analytics covering DPD, exposure, escrow, project status and compliance.

- Present portfolio trends and risk analysis during management reviews.

- Automate reporting wherever feasible to improve efficiency.

10. Stakeholder Coordination:

- Liaise with Credit, Risk, Legal, Operations, Finance and Business teams.

- Coordinate with external auditors, legal firms, technical consultants and borrowers.

- Support Credit Committee and Risk Committee through portfolio analytics and review reports.

Desired Candidate Profile:

Educational Qualification: CA / MBA (Finance) / CFA

Experience:

- 3-4 years of relevant experience in Portfolio Management, Credit Monitoring, Risk Management or Loan Administration within an NBFC, Bank or Financial Institution.

- Experience in real estate financing, structured finance, LAP, project finance or corporate lending would be preferred.

Required Skills:

- Strong understanding of RBI regulations applicable to NBFCs.

- Portfolio analytics and risk monitoring.

- DPD and delinquency analysis.

- Exposure monitoring and concentration risk assessment.

- Project finance monitoring and project cash flow analysis.

- Escrow monitoring and reconciliation.

- Security documentation and perfection.

- Audit and regulatory compliance management.

- Financial statement analysis.

- Advanced MS Excel and MIS reporting.

- Strong analytical, presentation and stakeholder management skills.