Manager – Portfolio Management Ananta Resource Management

The Corporate Institute; Mumbai; On-site; INR 1,800,000 - 2,600,000; Full time

Job summary

The Corporate Institute in Mumbai seeks a Manager – Portfolio Management to oversee portfolio monitoring, DPD analysis, and risk controls for NBFC lending and investments. You will drive MIS, reports, and regulatory compliance across borrower and project portfolios.

The ideal candidate has CA/MBA/CFA qualifications with 3-4 years in portfolio management, credit monitoring, or related risk functions. Strong Excel, analytics, and stakeholder management skills are essential.

Qualifications

• Educational qualifications include CA / MBA (Finance) / CFA.
• 3-4 years of relevant experience in Portfolio Management, Credit Monitoring, Risk Management or Loan Administration.

Responsibilities

• Monitor the overall loan and investment portfolio; conduct DPD analysis and highlight EWS.
• Prepare ageing reports, delinquency trends, and MIS for senior management.
• Monitor borrower-, group-, sector-, and geography-wise exposure and ensure RBI compliance.
• Prepare Project Review Reports and monitor project progress, budgets, and milestones.
• Monitor escrow accounts, reconcile and ensure proper cash flows and documentation.

Skills

Portfolio analytics

DPD analysis

Exposure monitoring

Project finance

Escrow monitoring

Regulatory compliance

Excel & MIS

Stakeholder management

Financial statement analysis

Presentation skills

Education

CA / MBA (Finance) / CFA

Tools

MS Excel

Dashboard software

Job description

Job Description: Manager – Portfolio Management (NBFC)

Department: Portfolio Management / Credit Monitoring

Location: Mumbai

Reporting To: National Credit Head

Key Roles & Responsibilities:

1. Portfolio Monitoring & DPD Analysis:

• Monitor the overall loan and investment portfolio on a periodic basis.
• Conduct Daily Past Due (DPD) analysis across all accounts and identify emerging stress accounts.
• Prepare ageing reports, delinquency trends, overdue movement analysis, and recovery dashboards.
• Highlight early warning signals (EWS) and recommend corrective actions.
• Track portfolio quality through key risk indicators and prepare MIS for senior management.

2. Exposure Analysis:

• Monitor borrower-wise, group-wise, sector-wise and geographical exposure.
• Ensure compliance with RBI exposure norms and internal credit concentration limits.
• Analyse utilisation of sanctioned limits and identify concentration risks.
• Prepare exposure reports for Credit Committee, Risk Committee and senior management.
• Review compliance with single borrower, group borrower and sectoral exposure limits.

3. Project Monitoring:

• Monitor progress of funded projects through periodic reviews.
• Review project execution against approved timelines, budgets and milestones.
• Track construction progress, sales velocity, cash flows and utilisation of funds.
• Coordinate with technical consultants, valuation agencies and business teams for project updates.
• Identify implementation delays and recommend mitigation measures.

4. Project Review Reports:

• Prepare comprehensive periodic Project Review Reports (PRRs).
• Analyse operational, financial and legal developments impacting projects.
• Assess covenant compliance and project performance against sanction conditions.
• Present findings to senior management and Credit Committee with recommendations.
• Monitor implementation of approved action plans.

5. Escrow Monitoring & Reconciliation:

• Monitor escrow accounts and ensure adherence to approved cash flow waterfall mechanisms.
• Reconcile escrow collections, payments and account balances on a periodic basis.
• Ensure routing of project receivables through designated escrow accounts.
• Investigate reconciliation exceptions and coordinate with borrowers and operations for timely resolution.
• Prepare periodic escrow monitoring reports.

6. Regulatory & Policy Compliance:

• Ensure all portfolio accounts remain compliant with applicable RBI regulations and internal credit policies.
• Monitor compliance with sanction terms, financial covenants and regulatory reporting requirements.
• Review documentation and ensure adherence to internal approval conditions.
• Coordinate with Legal, Operations and Compliance teams for timely resolution of observations.
• Track regulatory changes impacting portfolio management processes.

7. Security Creation & Perfection:

• Monitor timely creation, registration and perfection of all security documents.
• Ensure completion of mortgage creation, hypothecation, pledge and charge registration.
• Track filings with ROC/CERSAI and other statutory authorities.
• Maintain security perfection tracker and ensure closure of pending documentation.
• Coordinate with legal counsel, borrowers and operations to resolve documentation deficiencies.

8. Audit & Inspection Management:

• Coordinate internal, statutory, concurrent and regulatory audits.
• Prepare audit data, responses and supporting documentation.
• Track closure of audit observations within stipulated timelines.
• Implement corrective and preventive actions arising from audit findings.
• Strengthen portfolio monitoring processes based on audit recommendations.

9. Management Information System (MIS):

• Prepare periodic portfolio MIS and dashboards for management.
• Develop portfolio analytics covering DPD, exposure, escrow, project status and compliance.
• Present portfolio trends and risk analysis during management reviews.
• Automate reporting wherever feasible to improve efficiency.

10. Stakeholder Coordination:

• Liaise with Credit, Risk, Legal, Operations, Finance and Business teams.
• Coordinate with external auditors, legal firms, technical consultants and borrowers.
• Support Credit Committee and Risk Committee through portfolio analytics and review reports.

Desired Candidate Profile:

Educational Qualification: CA / MBA (Finance) / CFA

Experience:

• 3-4 years of relevant experience in Portfolio Management, Credit Monitoring, Risk Management or Loan Administration within an NBFC, Bank or Financial Institution.
• Experience in real estate financing, structured finance, LAP, project finance or corporate lending would be preferred.

Required Skills:

• Strong understanding of RBI regulations applicable to NBFCs.
• Portfolio analytics and risk monitoring.
• DPD and delinquency analysis.
• Exposure monitoring and concentration risk assessment.
• Project finance monitoring and project cash flow analysis.
• Escrow monitoring and reconciliation.
• Security documentation and perfection.
• Audit and regulatory compliance management.
• Financial statement analysis.
• Advanced MS Excel and MIS reporting.
• Strong analytical, presentation and stakeholder management skills.