Portfolio Head - Liabilities - Banking

Job Description:

Portfolio Head - Liabilities

Location: Mumbai

Reports to: Head - Personal Banking

Experience : 15-18 years

Role Details: The Portfolio Head - Liabilities will lead the strategy, growth, and profitability of the bank's liabilities portfolio. The role will drive AI-led transformation, digital innovation, and data-driven decision-making to maximize customer value, portfolio growth, and operational efficiency.

Overall Job Description:

1. Portfolio Strategy & Growth:

- Define and execute liabilities growth strategy (CASA + Deposits)

- Drive portfolio expansion, market share, and profitability targets

- Use AI-powered forecasting models for business planning and growth

2. AI & Data-Driven Transformation:

- Lead adoption of AI/ML across customer acquisition, engagement, and retention

- Implement advanced analytics frameworks for real-time decision-making

- Sponsor development of customer 360 views, personalization engines, and predictive models

- Drive hyper-personalization and digital-first banking experiences

3. Customer & Digital Innovation:

- Oversee end-to-end digital journeys across onboarding and servicing

- Drive adoption of AI-enabled onboarding (eKYC, fraud detection)

- Implement conversational AI, voice bots, and digital servicing tools

- Enhance customer experience through data-led insights and journey redesign

4. Revenue & P&L Ownership:

- Own full P&L for liabilities portfolio

- Optimize cost of funds, fee income, and portfolio profitability

- Use predictive analytics for revenue forecasting and cost optimization

5. Partnerships & Ecosystem Development:

- Build partnerships with fintechs, digital platforms, and ecosystem players

- Drive embedded banking and API-led integrations

- Explore AI-led partnerships (fraud, analytics, personalization engines)

6. Risk, Compliance & Governance:

- Ensure compliance with RBI regulations, AML/KYC norms

- Deploy AI-based fraud detection and risk monitoring systems

- Strengthen governance using real-time alerts and predictive risk models

7. Leadership & Stakeholder Management:

- Lead cross-functional teams across Product, Analytics, Digital, Risk, and Sales

- Drive a data-driven culture and AI adoption mindset

- Mentor teams and build analytics and digital capabilities internally

Education:

- Preferred: MBA / PGDM (Tier 1 / Tier 2 preferred)

Work Experience:

- 10-15 years in banking / liabilities / retail banking leadership roles

- Strong experience in CASA, portfolio strategy, and digital transformation