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