Portfolio Head – Liabilities – Banking Dimensions HRD Consultants

The Corporate Institute; Mumbai; On-site; INR 3,500,000 - 5,500,000; Full time

Job summary

The Corporate Institute in Mumbai seeks a Portfolio Head – Liabilities to drive strategy and growth for the bank's liabilities portfolio and own full P&L for liabilities.

The role emphasizes AI-led transformation, digital innovation, and data-driven decision-making to maximize customer value, portfolio growth, and operational efficiency.

Lead cross-functional teams and partnerships, oversee risk & governance, and shape a digital-first customer experience in a leadership capacity.

Qualifications

• MBA / PGDM (Tier 1 / Tier 2 preferred).
• 10-15 years in banking / liabilities / retail banking leadership roles.

Responsibilities

• Define and execute liabilities growth strategy (CASA + Deposits).
• Drive portfolio expansion, market share, and profitability targets.
• 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 end-to-end digital journeys across onboarding and servicing.
• Own full P&L for liabilities portfolio and optimize cost of funds.

Skills

Leadership

AI/ML awareness

Data analytics

Digital transformation

Education

MBA / PGDM

Job description

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