Role Overview:

The Portfolio Manager will be responsible for managing the health, growth, and profitability of the unsecured overdraft portfolio. The role focuses on balancing risk and utilization, ensuring disciplined portfolio monitoring, and driving customer engagement through targeted interventions. The individual will work closely with cross-functional teams to optimize credit performance, enhance utilization, and ensure robust operational controls.

Key Responsibilities:

- Monitor portfolio performance across key risk metrics such as delinquency, bounce rates, and roll-forward trends.

- Identify early warning signals and implement corrective actions to mitigate risk.

- Work with Credit and FCU teams to refine risk strategies and controls.

- Track utilization levels across customer segments and identify gaps.

- Develop and execute strategies to improve line usage and customer engagement.

- Analyze behavioral patterns to drive repeat usage and higher wallet share.

- Conduct daily monitoring of portfolio-level data and key exceptions.

- Identify anomalies, irregular usage patterns, or potential fraud indicators.

- Ensure data accuracy and timely action on flagged accounts.

- Conceptualize and execute targeted campaigns to drive utilization.

- Collaborate with Business and Marketing teams for campaign rollout.

- Measure campaign effectiveness and optimize based on performance insights.

- Track collections performance including overdue accounts, recovery rates, and efficiency metrics.

- Work closely with collections teams to improve recovery outcomes.

- Recommend strategies for delinquent account management and resolution.

- Oversee processes related to freezing and unfreezing of customer limits based on risk triggers.

- Ensure timely and accurate execution of actions in line with policy guidelines.

- Continuously refine rules and triggers for better portfolio control.

Qualifications & Skills:

- Bachelor's degree in Finance, Business, Economics, or related field (MBA preferred).

- 5 - 8 years of experience in portfolio management, risk analytics, or lending operations within NBFC/Banking.

- Strong understanding of unsecured lending products and customer lifecycle.

- Proficiency in data analysis tools (Excel, SQL, Power BI/Tableau).

- Experience in collections monitoring and campaign management is a plus.

- Strong analytical thinking and problem-solving capabilities.

- Excellent stakeholder management and communication skills.

Key Competencies:

- Risk-focused decision making

- Data-driven insights

- Attention to detail

- Customer lifecycle understanding

- Process orientation