Company Overview:

Our client is a leading Non-Banking Financial Company (NBFC) specializing in providing financial solutions to a diverse clientele. They operate across various lending platforms, including Loan Against Property (LAP), catering to both small and large ticket requirements. With a significant presence across India, they are committed to delivering innovative and customer-centric financial products.

Role Overview:

This Portfolio Manager - LAP (Small & Large ticket) role based in Mumbai, involves actively managing the Loan Against Property portfolio, encompassing both small and large ticket loans. The role requires close collaboration with the credit risk, sales, and operations teams to ensure portfolio quality, minimize risk, and maximize profitability. The incumbent will be responsible for monitoring portfolio performance, identifying potential risks, and implementing strategies to mitigate them, ultimately contributing to the overall success and stability of the LAP business.

Key Responsibilities:

- Monitor the performance of the LAP portfolio (small and large ticket), identifying trends, early warning signals, and areas of concern to proactively address potential risks.

- Develop and implement portfolio management strategies to optimize portfolio yield, minimize delinquencies, and enhance overall portfolio quality for sustained business growth.

- Conduct regular portfolio reviews and stress tests to assess the impact of various economic and market scenarios on the LAP portfolio, ensuring preparedness for adverse conditions.

- Collaborate with the credit risk team to refine credit policies, risk assessment models, and underwriting standards based on portfolio performance and market dynamics to maintain a healthy risk profile.

- Work closely with the sales and collections teams to improve loan origination quality, enhance collection efficiency, and reduce non-performing assets (NPAs) within the LAP portfolio for improved profitability.

- Prepare and present portfolio performance reports to senior management, providing insights and recommendations for strategic decision-making and portfolio optimization to achieve business objectives.

- Ensure compliance with regulatory guidelines and internal policies related to portfolio management and risk management to maintain the integrity and reputation of the organization.

Required Skillset:

- Demonstrated ability to analyze and interpret financial data, identify trends, and develop actionable insights for portfolio management.

- Proven expertise in credit risk assessment, risk mitigation strategies, and portfolio monitoring techniques.

- Excellent communication, interpersonal, and presentation skills to effectively collaborate with cross-functional teams and present findings to senior management.

- Strong understanding of the Loan Against Property (LAP) market, including industry trends, competitive landscape, and regulatory environment.

- Ability to work independently, manage multiple priorities, and meet deadlines in a fast-paced environment.

- Educational background: MBA in Finance or related field from a reputed institution preferred.

- Experience: Minimum 8 to 15 years of experience in portfolio management, credit risk, or risk management within the financial services industry, with a focus on LAP.