Job Description

Job Title: Portfolio Manager Function/Department: Business Banking Roles & Responsibilities: Responsible for WC customer portfolio and its health for Business Banking (MSME) segment of customers. Optimum utilization 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 stakeholders such as credit, risk and product team. Suggest policy and process changes to improve customer experience from time to time. Education Qualification: Graduation: Bachelor\'s in Engineering / Technology / Maths / Commerce / Arts / Science / Biology / Business / Computers / Management Post-graduation: MBA / PGDM Experience: 5 to 10 Years experience.

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