RPMG:Portfolio Manager - Bharat Banking Loans - FF and BE End To End

About Retail Portfolio Management Group The Retail Portfolio Management Group RPMG plays a strategic role in managing the banks 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 banks overarching Growth, Profitability, and Sustainability GPS strategy, positioning RPMG as a key contributor to operational resilience and financial performance About the RoleTo manage and oversee the collections portfolio for Agri Loans across various delinquency buckets through effective vendor management, process adherence, and compliance with audit and regulatory standards. The role ensures timely resolution of overdue accounts and maintains portfolio health in alignment with organizational goals. Key Responsibilities .Portfolio Management: .Monitor and manage Agri Loan collections across all buckets early, mid, and late - stage delinquencies . .Analyze portfolio trends and implement corrective actions to improve recovery rates. .Vendor Management: .Engage and supervise multiple third - party collection agencies/vendors. .Ensure vendors adhere to bank policies, SLAs, and compliance norms. .Conduct regular performance reviews and audits of vendor activities. .Bucket Resolution: .Drive resolution strategies for each delinquency bucket. .Coordinate with field teams and vendors to ensure timely follow - ups and closures. .Process Adherence: .Ensure all collection activities are conducted as per the banks standard operating procedures. .Maintain accurate and timely documentation of collection efforts. .Compliance Audit: .Ensure full compliance with internal audit guidelines and regulatory requirements. .Address audit observations and implement preventive measures. .Reporting MIS: .Prepare and present periodic reports on collection performance, vendor efficiency, and portfolio health. .Use data analytics to identify risk areas and recommend strategic interventions.