Portfolio Manager Business Banking

Year Bangalore, Karnataka, India

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Job Title - Portfolio Manager

Place of work - Mumbai

Business Unit -Retail Banking

Function - Business Banking

Roles & Responsibilities:

Responsible for WC customer portfolio and its health for Business Banking (MSME) segment of customers
Responsibility in respect of portfolio will be:
Optimum utilisation against approved DP by the customer
Portfolio health in terms of interest servicing, DPD, deferral closures and covenant fulfilment by due date.
Monitor and maintain optimum churn by the customer in the account
Working on 'Early Warning Signal' triggers, taking necessary action with the customer and responding to internal stake-holders - Product, Portfolio and Risk team
Timely renewals of Limits, including enhancements, if any.
Scoping the Portfolio for cross-sell by RMs and improve Portfolio Product Holding by way of deepening and cross-sell
Migrate customers to use on-line channels such as internet banking, mobile app, door-step banking etc.
Ensuring adherence to the credit policy, internal policy, RBI guidelines, and other guidelines.
Regular client visits for the credit monitoring and filing visit reports from time-to-time
Highlight potential stress cum risk on portfolio to internal stake-holders such as credit, risk and product team
Suggest policy and process changes to improve customer experience from time to time

Educational Qualifications:

Graduate - Any

Post Graduate - Any MBA

Experience:

Minimum of 3-5Years experience

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