Portfolio Manager_Personal Loan_0118_2618_1043862_HRR

Kotak Mahindra Bank · Hyderabad

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Job Title:

Portfolio Manager – Personal Loans

Job Purpose:

To manage and grow the Personal Loan portfolio by driving customer engagement, portfolio profitability, delinquency control, cross-selling opportunities, and ensuring adherence to risk and compliance guidelines. The role involves monitoring portfolio performance, maintaining customer relationships, and supporting business growth objectives.

Key Responsibilities:

• Manage and monitor the Personal Loan portfolio to ensure portfolio health and profitability.
• Track portfolio performance metrics such as disbursements, utilization, delinquency, roll rates, and customer retention.
• Engage with existing customers to strengthen relationships and identify cross-sell and up-sell opportunities.
• Drive portfolio growth through customer acquisition referrals and repeat business.
• Analyze portfolio trends and identify risks impacting business performance.
• Coordinate with sales, operations, credit, and collections teams to ensure smooth portfolio management.
• Monitor early delinquency accounts and support collection efforts for overdue customers.
• Ensure compliance with internal policies, regulatory requirements, and audit guidelines.
• Prepare MIS reports and portfolio performance reviews for management.
• Handle customer queries and complaints within defined service standards.
• Maintain high levels of customer satisfaction and service quality.

Desired Candidate Profile:

Education:

• Graduate in any discipline.
• MBA/PGDM preferred.

Experience:

• 3 to 8 years of experience in Personal Loans, Consumer Lending, Retail Assets, Portfolio Management, or Relationship Management.
• Experience in portfolio monitoring, customer servicing, and retail lending products preferred.

Key Skills:

• Personal Loan Portfolio Management
• Retail Lending Products
• Customer Relationship Management
• Portfolio Analytics & MIS
• Credit & Risk Awareness
• Collections Coordination
• Cross-Selling & Upselling
• Communication & Negotiation Skills
• MS Excel & Data Analysis
• Compliance and Regulatory Knowledge

Key Competencies:

• Strong analytical and problem-solving skills.
• Customer-centric approach.
• Ability to manage multiple stakeholders.
• Result-oriented with focus on portfolio quality.
• Good communication and interpersonal skills.
• Effective decision-making and risk assessment abilities.

Performance Metrics (KPIs):

• Portfolio Growth
• Portfolio Profitability
• Delinquency & NPA Control
• Customer Retention Rate
• Cross-Sell Revenue
• Customer Satisfaction Scores
• Compliance Adherence
• Collection Efficiency

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