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RPMG:Cluster Portfolio Manager - Bharat Banking Loans - FF and BE End To End

Axis Bank — Ahmedabad, SITAPUR

Experience 8 - 12 Years yrs
Age 21-35 yrs
Gender Both
Salary Not Disclosed LPA
Department Sales Loans
Product Loans

Job Description

Role description

About RMPG

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
The Portfolio Manager – Bharat Banking is responsible for end‑to‑end management of assigned rural and agri loan portfolios, with focus on portfolio health, pre‑delinquency control, collections efficiency, and recovery outcomes.
The role involves hands‑on execution across PDM, delinquency, and NPA buckets, while ensuring customer centricity, regulatory compliance, and effective agency management.
Key Responsibilities
  • Own and manage assigned Bharat Banking portfolios including Farmer Funding (KCC), Gold Loans, Tractor Loans, MFI, Bharat Enterprises, and allied agri products.
  • Monitor portfolio performance across DPD buckets (0–30, 31–60, 61–90, 90+), NPAs, and write‑off segments.
  • Drive resolution, rollback, recovery, and inventory reduction as per defined targets.
  • Execute Pre‑Delinquency Management (PDM) actions to minimize fresh slippages.
  • Plan and execute field collections through own staff and external agencies.
  • Manage allocation, productivity, billing, and compliance of collection agencies and vendors.
  • Coordinate with legal, repossession, auction, and recovery partners for NPA resolution.
  • Ensure fair customer treatment, handle escalations, and resolve grievances.
  • Maintain adherence to RBI guidelines, internal policies, audit requirements, and SOPs.
  • Prepare and review daily/weekly/monthly MIS and participate in portfolio reviews.
  • Coordinate with Business, Credit, Legal, Operations, and Strategy teams.
Qualifications

Optimal qualification for success on the job is:

  • Graduate / Post‑graduate from a recognized institute.
  • 5–10 years of experience in banking or NBFC collections / recovery / rural lending.
  • Prior exposure to Agri, Bharat Banking, MSME, or secured loan portfolios preferred.
Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

  • Strong understanding of rural & agri lending portfolios.
  • Experience in PDM, field collections, NPA management, and recovery.
  • Ability to manage large portfolios and multiple agencies.
  • Strong analytical and MIS skills.
  • Good communication skills in English and local language.
  • High standards of integrity, compliance, and customer focus.

Skills

Refer to the Job Description

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Frequently Asked Questions

What are the eligibility criteria for the RPMG:Cluster Portfolio Manager - Bharat Banking Loans - FF and BE End To End job at Axis Bank?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 8 - 12 Years years of relevant experience expected for this role.

What are the primary responsibilities of a RPMG:Cluster Portfolio Manager - Bharat Banking Loans - FF and BE End To End at Axis Bank?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a RPMG:Cluster Portfolio Manager - Bharat Banking Loans - FF and BE End To End at Axis Bank.

Is prior experience required for this position?

This role requires around 8 - 12 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

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.

How do I apply for the RPMG:Cluster Portfolio Manager - Bharat Banking Loans - FF and BE End To End role at Axis Bank?

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.