RPMG:Portfolio Manager - Bharat Banking Loans - FF Front End

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.

• 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.

• 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.

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.