Job Description: - • To develop, implement and monitor systematic tools to address challenges that pace the Unit, develop solutions, and offer options that translate desired objectives to implementable and measurable process stepconstraints. • Assist in executing, evaluating, Improving and monitoring portfolio interventions. • Support in the management of key portfolio indicators and credit cost within budgeted levels. • Champion a systematic approach towards portfolio management where performance delivery hinges more on an intelligence driven aggregation of robust processes rather than a simple aggression of individual efforts. • Improve collection efficiency and effectiveness by developing and deploying intelligence-based tools such as scorecards. • Forecast portfolio movement choosing robust modelling techniques and estimate key financial out comes including loss, provisions etc across the retails assets and card suite. • De-risk unit efficiency through an integrated framework of process and systems. • Build performance score cards for collections team across levels. • Forecast and devise staff’s capacitation model to ensure adequate bench strengths to manage incoming collection volumes • Build senior collection management consensus around proposed approaches of portfolio management and system solutions devised to deliver incremental collections efficiencies. • Develop strong Analytical platform that would facilitate decision making of factual basis. • Devise MIS to measure significant aspects- both existing and proposed – of collections performance and review performance of constituent portfolio segment to identify possible areas of focus for collections action. • Provide inputs to Credit Policy and underwriting on basis of portfolio trends. • Analyze performance and productivity trends by identifying poor performing segments -leading to focused action in controlling delinquencies and Credit Losses. Qualification: Post Graduate/ Graduate in any discipline