RPMG:Cluster Portfolio Manager - Bharat Banking Loans - Gold Loan

The Retail Portfolio Management Group (RPMG) is responsible for ensuring effective debt servicing by the retail borrowers of the Bank.

The RPMG scope covers Pre-delinquency Management (PDM), Bounce Management, Early Delinquency Management (EDM), Pre-NPA Management, NPA Management and Write-offs. The core objective of RPMG is to improve operating efficiency, optimize cost, insulate reputation risk, ensure regulatory compliance and enhance customer experience.

• Own endtoend performance of the assigned cluster across Farmer Funding (KCC), Gold Loans, Tractor Loans, MFI, Bharat Enterprises, and allied agri products.
• Monitor and drive clusterlevel performance across DPD buckets, NPAs, OOO, and writeoff portfolios.
• Ensure achievement of resolution, recovery, rollback, and inventory reduction targets.
• Lead, coach, and supervise Portfolio Managers across the cluster.
• Drive productivity, discipline, and performance culture through regular reviews and field engagement.
• Identify training needs and ensure capability building on products, processes, and compliance.
• Oversee field collections and agency deployment across the cluster.
• Ensure optimal allocation of cases, productivity management, and cost efficiency.
• Monitor agency compliance with Axis Bank code of conduct, RBI norms, and audit requirements.
• Take corrective actions on performance or compliance gaps
• Drive recovery strategy for NPA and chronic delinquency portfolios at cluster level.
• Coordinate with legal, repossession, auction, and recovery partners.
• Review legal actions, settlements, upgrades, and closures to ensure timely resolution.
• Act as the cluster SPOC for Business, Credit, Legal, Operations, Call Centers, and Strategy teams.
• Support rollout of new initiatives, digital tools, pilots, and process changes under Bharat Banking

• Graduate / Postgraduate from a recognized institute.
• 8-12 years of experience in banking or NBFC collections / recovery / rural lending.
• Prior experience managing multiple portfolios or regions preferred.
• Exposure to Agri / Bharat Banking / MSME / secured loan portfolios is desirable.

For successful execution of the job, the candidate should possess the following:

• Strong understanding of rural & agri credit risk and collections.
• Proven peoplemanagement and stakeholdermanagement skills.
• Strong analytical ability with comfort in MIS, dashboards, and performance reviews.
• High standards of integrity, governance, and customer centricity.
• Effective communication skills in English and local language.