About RPMG The Retail Portfolio Management Group (RPMG) is responsible for ensuring effective debt servicing by the retail borrowers of the Bank. The RPMG scope covers Pre-delinquency Management (PDM), Bounce Management, Early Delinquency Management (EDM), Pre-NPA Management, NPA Management and Write-offs. The core objective of RPMG is to improve operating efficiency, optimize cost, insulate reputation risk, ensure regulatory compliance and enhance customer experience. About the Role This is leadership position who will be responsible for strategic oversight and performance of multiple clusters and portfolios under Bharat Banking. The role drives portfolio health, credit loss control, recovery performance, and regulatory compliance, while providing strong leadership to Cluster Portfolio Managers and acting as a key interface with Business, Credit, Legal, Strategy, BIU, and Operations teams. Key Responsibilities • Own and govern portfolio performance across multiple clusters and geographies covering Farmer Funding (KCC), Gold Loans, Tractor Loans, MFI, Bharat Enterprises, and allied agri products. • Ensure achievement of resolution, recovery, rollback, and inventory reduction targets in line with Annual operating plan. • Drive fresh slippage control and early risk mitigation strategies across portfolios. • Review portfolio risk trends, vintage behavior, and stress indicators; initiate timely corrective actions. • Lead and mentor Cluster Portfolio Managers, ensuring consistency in execution and governance. • Drive a high‑performance, compliance‑focused culture through structured reviews and field engagement. • Oversee legal actions, auctions, repossession, settlements, and upgrades, ensuring timeliness and effectiveness. • Review large‑value and sensitive cases; support escalation and decision‑making where required. • Ensure adherence to Axis Bank code of conduct, RBI guidelines, and audit requirements. • Drive productivity improvement and cost optimization through structured deployment and monitoring. • Act as a key stakeholder with Business, Credit, Legal, Operations, BIU, and Strategy teams. Qualifications Optimal qualification for success on the job is: • Graduate / Post‑graduate from a recognized institute (MBA preferred). • 12–15 years of experience in banking or NBFC collections / recovery / rural & agri lending. • Prior experience managing multiple regions, large portfolios, or leadership roles is essential. Role Proficiencies: For successful execution of the job, the candidate should possess the following: • Strong understanding of rural & agri credit risk, collections, and recovery frameworks. • Proven people leadership and stakeholder management capabilities. • Strong analytical skills with ability to interpret MIS, trends, and risk indicators. • High standards of integrity, governance, and customer centricity. • Effective communication and decision‑making skills