Manager - Portfolio Management

: Manager - Portfolio Management (NBFC)
Department: Portfolio Management / Credit Monitoring
Location: Mumbai
Reporting To: National Credit Head
Key Roles & Responsibilities:
1. Portfolio Monitoring & DPD Analysis:
- Monitor the overall loan and investment portfolio on a periodic basis.
- Conduct Daily Past Due (DPD) analysis across all accounts and identify emerging stress accounts.
- Prepare ageing reports, delinquency trends, overdue movement analysis, and recovery dashboards.
- Highlight early warning signals (EWS) and recommend corrective actions.
- Track portfolio quality through key risk indicators and prepare MIS for senior management.
2. Exposure Analysis:
- Monitor borrower-wise, group-wise, sector-wise and geographical exposure.
- Ensure compliance with RBI exposure norms and internal credit concentration limits.
- Analyse utilisation of sanctioned limits and identify concentration risks.
- Prepare exposure reports for Credit Committee, Risk Committee and senior management.
- Review compliance with single borrower, group borrower and sectoral exposure limits.
3. Project Monitoring:
- Monitor progress of funded projects through periodic reviews.
- Review project execution against approved timelines, budgets and milestones.
- Track construction progress, sales velocity, cash flows and utilisation of funds.
- Coordinate with technical consultants, valuation agencies and business teams for project updates.
- Identify implementation delays and recommend mitigation measures.
4. Project Review Reports:
- Prepare comprehensive periodic Project Review Reports (PRRs).
- Analyse operational, financial and legal developments impacting projects.
- Assess covenant compliance and project performance against sanction conditions.
- Present findings to senior management and Credit Committee with recommendations.
- Monitor implementation of approved action plans.
5. Escrow Monitoring & Reconciliation:
- Monitor escrow accounts and ensure adherence to approved cash flow waterfall mechanisms.
- Reconcile escrow collections, payments and account balances on a periodic basis.
- Ensure routing of project receivables through designated escrow accounts.
- Investigate reconciliation exceptions and coordinate with borrowers and operations for timely resolution.
- Prepare periodic escrow monitoring reports.
6. Regulatory & Policy Compliance:
- Ensure all portfolio accounts remain compliant with applicable RBI regulations and internal credit policies.
- Monitor compliance with sanction terms, financial covenants and regulatory reporting requirements.
- Review documentation and ensure adherence to internal approval conditions.
- Coordinate with Legal, Operations and Compliance teams for timely resolution of observations.
- Track regulatory changes impacting portfolio management processes.
7. Security Creation & Perfection:
- Monitor timely creation, registration and perfection of all security documents.
- Ensure completion of mortgage creation, hypothecation, pledge and charge registration.
- Track filings with ROC/CERSAI and other statutory authorities.
- Maintain security perfection tracker and ensure closure of pending documentation.
- Coordinate with legal counsel, borrowers and operations to resolve documentation deficiencies.
8. Audit & Inspection Management:
- Coordinate internal, statutory, concurrent and regulatory audits.
- Prepare audit data, responses and supporting documentation.
- Track closure of audit observations within stipulated timelines.
- Implement corrective and preventive actions arising from audit findings.
- Strengthen portfolio monitoring processes based on audit recommendations.

9. Management Information System (MIS):
- Prepare periodic portfolio MIS and dashboards for management.
- Develop portfolio analytics covering DPD, exposure, escrow, project status and compliance.
- Present portfolio trends and risk analysis during management reviews.
- Automate reporting wherever feasible to improve efficiency.
10. Stakeholder Coordination:
- Liaise with Credit, Risk, Legal, Operations, Finance and Business teams.
- Coordinate with external auditors, legal firms, technical consultants and borrowers.
- Support Credit Committee and Risk Committee through portfolio analytics and review reports.
Desired Candidate Profile:
Educational Qualification: CA / MBA (Finance) / CFA
Experience:
- 3-4 years of relevant experience in Portfolio Management, Credit Monitoring, Risk Management or Loan Administration within an NBFC, Bank or Financial Institution.
- Experience in real estate financing, structured finance, LAP, project finance or corporate lending would be preferred.
Required Skills:
- Strong understanding of RBI regulations applicable to NBFCs.
- Portfolio analytics and risk monitoring.
- DPD and delinquency analysis.
- Exposure monitoring and concentration risk assessment.
- Project finance monitoring and project cash flow analysis.
- Escrow monitoring and reconciliation.
- Security documentation and perfection.
- Audit and regulatory compliance management.
- Financial statement analysis.
- Advanced MS Excel and MIS reporting.
- Strong analytical, presentation and stakeholder management skills.