About Retail Portfolio Management Group The Retail Portfolio Management Group (RPMG) plays a strategic role in managing the bank’s retail receivables, with a sharp focus on loss containment, cost efficiency, and portfolio sustainability. Through advanced analytics, technology-driven processes, and close collaboration with Credit, Risk, and Product teams, RPMG ensures risk-calibrated policy execution. RPMG engages delinquent customers with multiple repayment solutions and financial counseling, promoting responsible credit behavior and long-term financial health. This approach aligns with the bank’s overarching Growth, Profitability, and Sustainability (GPS) strategy, positioning RPMG as a key contributor to operational resilience and financial performance. Through advanced analytics, technology-driven processes, and close collaboration with Credit, Risk, and Product teams, RPMG ensures risk-calibrated policy execution About the Role The Circle Portfolio Manager for Credit Cards handles multiple geographies on delinquent portfolio. The Circle Portfolio Manager ensures Bucket and NPA resolution and manages the portfolio as per the existing process. Circle Portfolio Manager also ensures compliance with the audit procedures of the bank. Key Responsibilities • Ensure maximum release from the Bucket/NPA pool by achieving the required resolution target as per the business requirement / Recoveries. • Ensure minimum addition to the NPA pool by keeping the portfolio in check by maintaining the delinquency level • Prepare contingency plan for all collection related activities. • Manage the team of Bucket Managers and ensure achievement of the monthly resolution targets • Ensure that all collection agencies are fully compliant with RBI guidelines and bank’s collection policy • Ensure adherence to the set process and audit requirements in place • Ensure minimum forward flow from the buckets • Ensure that assigned locations and collections agencies have sufficient manpower • Create a performance-oriented environment leading to high employee motivation and productivity • Ensure that all staff are adequately trained on the products of the bank, processes and various policies of the bank Qualifications Optimal qualification for success on the job is: • Graduation/ Post-Graduation from a recognized institute • 10 to 15 years with relevant experience. Role Proficiencies: For successful execution of the job, the candidate should possess the following: • Knowledge and understanding of collections and market dynamics. • Knowledge of regulatory guidelines and norms • Good communication (both verbal and written) skill in both English and the local language. • Ability to manage complex client situations. • Extensive geographical knowledge. • Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment. • Ability to handle pressure and deadlines.