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. About the Role The Portfolio Manager for Auto Products (Used Car & New Car) is responsible for managing the portfolio of auto loans, ensuring NPA resolution, and achieving collection targets. This role involves handling the Risk – 60 portfolio, achieving resolution and normalization targets, and ensuring compliance with audit procedures. Key Responsibilities • Portfolio Management: • Manage the portfolio of auto loan products including Used Car and New Car loans. • Ensure maximum release from the NPA pool by achieving the required resolution target as per the business requirement. • Ensure minimum addition to the NPA pool by maintaining the delinquency level. • Achieve calling resolution targets for X & 30 buckets for auto loan products. • Adhere to calling norm targets for auto loan products. • Operational Management: • Oversee the collection process to ensure efficient and effective portfolio management. • Monitor and analyze portfolio performance metrics and implement necessary adjustments. • Ensure compliance with regulatory guidelines and internal policies. • Engage defaulting members through telephone, emails, and physical visits to recover payments on defaulted accounts. • Maintain daily activity logs of calls, physical visits, right party contacts, promises to pay, and promises to pay kept. • Data Analysis and Reporting: • Collect, analyze, and interpret data to measure portfolio performance against established KPIs. • Generate detailed reports on portfolio metrics and provide actionable insights. • Identify trends, patterns, and opportunities for optimization. • Process Improvement: • Continuously evaluate and enhance portfolio management processes and workflows. • Identify opportunities to improve efficiency and effectiveness. • Implement industry best practices and emerging technologies. Qualifications Optimal qualification for success on the job is: • Graduation/Post-Graduation from a recognized institute. • Minimum of 3 years of relevant experience in the NBFC/Banking industry. Desired Qualifications: • Knowledge and understanding of collections and market dynamics. • Knowledge of regulatory guidelines and norms. • Operational and system knowledge. Role Proficiencies: For successful execution of the job, the candidate should possess the following: • Proven experience in portfolio management, preferably within the financial services industry. • Strong analytical skills with proficiency in data analysis and interpretation. • Excellent project management skills with the ability to prioritize and meet deadlines. • Strong interpersonal and communication skills with the ability to collaborate effectively. • Ability to manage complex client situations. • Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment. • Ability to handle pressure and meet deadlines.