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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 Cluster Portfolio Manager for Credit Cards handles multiple geographies on delinquent portfolio. Cluster Portfolio Manager ensures Bucket and NPA resolution/ Recovery and manages the portfolio as per the existing process. Cluster 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
• 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.
Refer to the Job Description
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 1 - 3 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a RB-LS: Business Development Associate at Axis Bank.
This role requires around 1 - 3 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
You can apply directly using the Apply Now button on this page, which will take you to Axis Bank's application process for this role.