About the role
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
About the Role
Key Responsibilities
To lead and manage the Agri Loans collections portfolio across multiple delinquency buckets within a defined region. The role involves strategic vendor management, resolution of overdue accounts, compliance with audit and legal standards, and driving performance across teams to meet recovery and NPA targets.
Portfolio & Bucket Management
• Achieve resolution targets as per business requirements across 30+ DPD, 90+ DPD, and 180+ DPD buckets.
• Minimize forward flow to subsequent delinquency buckets through proactive interventions.
• Monitor and manage gross slippages and ensure inventory is aligned with resolution benchmarks.
Vendor & Staff Oversight
• Manage outsourced vendors and field staff to ensure monthly resolution targets are met.
• Conduct timely allocation of accounts, confirm billing, and ensure regular customer visits.
• Create a performance-driven environment to enhance motivation and productivity.
Recovery & NPA Management
• Drive monthly recovery targets for rural portfolios.
• Monitor Net NPA performance and ensure upgrades/recoveries are in line with monthly goals.
• Oversee legal filings, coverage, and execution for recovery cases.
Compliance & Process Adherence
• Ensure strict adherence to bank processes and audit requirements.
• Address audit observations and implement corrective actions.
• Maintain documentation and MIS as per regulatory and internal standards.
Training & Capability Building
• Ensure all staff are trained on Agri Loan products, bank policies, and collection processes.
• Promote continuous learning and development across the team.
Qualifications
Optimal qualification for success on the job is:
• Graduate/Postgraduate in Agriculture, Finance, or related field.
• 7–12 years of experience in collections, with a focus on Agri or rural lending portfolios.
• Proven track record in managing vendors and achieving recovery targets.
Role Proficiencies:
For successful execution of the job, the candidate should possess the following:
• Strong leadership and team management skills.
• Excellent communication, negotiation, and interpersonal abilities.
• Analytical mindset with proficiency in MS Excel and collection systems.
• Knowledge of legal recovery processes and compliance frameworks.