Portfolio Head - Liabilities - Banking

:
Portfolio Head - Liabilities
Location: Mumbai
Reports to: Head - Personal Banking

Experience : 15-18 years

Role Details: The Portfolio Head - Liabilities will lead the strategy, growth, and profitability of the bank's liabilities portfolio. The role will drive AI-led transformation, digital innovation, and data-driven decision-making to maximize customer value, portfolio growth, and operational efficiency.

Overall :
1. Portfolio Strategy & Growth:

- Define and execute liabilities growth strategy (CASA + Deposits)
- Drive portfolio expansion, market share, and profitability targets
- Use AI-powered forecasting models for business planning and growth
2. AI & Data-Driven Transformation:
- Lead adoption of AI/ML across customer acquisition, engagement, and retention
- Implement advanced analytics frameworks for real-time decision-making
- Sponsor development of customer 360 views, personalization engines, and predictive models
- Drive hyper-personalization and digital-first banking experiences
3. Customer & Digital Innovation:
- Oversee end-to-end digital journeys across onboarding and servicing
- Drive adoption of AI-enabled onboarding (eKYC, fraud detection)
- Implement conversational AI, voice bots, and digital servicing tools
- Enhance customer experience through data-led insights and journey redesign
4. Revenue & P&L Ownership:
- Own full P&L for liabilities portfolio
- Optimize cost of funds, fee income, and portfolio profitability
- Use predictive analytics for revenue forecasting and cost optimization
5. Partnerships & Ecosystem Development:
- Build partnerships with fintechs, digital platforms, and ecosystem players
- Drive embedded banking and API-led integrations
- Explore AI-led partnerships (fraud, analytics, personalization engines)
6. Risk, Compliance & Governance:
- Ensure compliance with RBI regulations, AML/KYC norms
- Deploy AI-based fraud detection and risk monitoring systems
- Strengthen governance using real-time alerts and predictive risk models
7. Leadership & Stakeholder Management:
- Lead cross-functional teams across Product, Analytics, Digital, Risk, and Sales
- Drive a data-driven culture and AI adoption mindset
- Mentor teams and build analytics and digital capabilities internally
Education:
- Preferred: MBA / PGDM (Tier 1 / Tier 2 preferred)
Work Experience:
- 10-15 years in banking / liabilities / retail banking leadership roles
- Strong experience in CASA, portfolio strategy, and digital transformation