RPMG:Cluster Portfolio Manager - Credit Card - Field - Recovery

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.