Product Manager

YES BANK; Mumbai; On-site; INR 1,500,000 - 2,600,000; Full time

Job summary

YES BANK is seeking a Portfolio Manager for SME Banking to manage portfolios and monitor risk from YES Bank House, Santacruz, Mumbai. The role includes strong emphasis on analytics, dashboards and reporting to senior stakeholders.

CA or MBA with 3–7 years of relevant experience is preferred; the candidate should demonstrate robust analytical abilities and data interpretation, plus drive to improve credit policies and tools.

Qualifications

• CA or MBA with 3–7 years of relevant experience.
• Ability to work in a fast-paced environment.
• Strong analytical abilities and data interpretation.
• Robust drive and initiative.

Responsibilities

• Maintain operational and credit risk controls over portfolio by applying monitoring tools.
• Monitor delinquency trends across locations and products.
• Analyze trends and suggest policy/program modifications based on findings.
• Benchmark competition and track portfolio trends to improve framework.
• Maintain and manage the Early Warning System (EWS).
• Create portfolio decks for monitoring delinquency, repayments and disbursements.
• Derive insights from monitoring for senior management decisions.
• Plan and execute reporting activities to manage credit perspective.
• Prepare review notes and presentations for stakeholders.
• Coordinate with internal stakeholders to ensure data availability.

Skills

Analytical skills

Data interpretation

Portfolio monitoring

Risk monitoring

Early Warning System

Reporting

Stakeholder management

Education

CA

MBA

Job description

Role : Portfolio Management and Risk Monitoring - SME Banking

Designation – Manager/ Senior Manager/ AVP

Position Overview: Portfolio Manager

• Location - YES Bank House, Santacruz, Mumbai
• Experience – CA/ MBA with 3 to 7 years of relevant experience
• Key responsibilities – Portfolio and Risk Monitoring

Requirement

• Ability to work in a fast paced environment
• Strong analytical abilities and data interpretation
• Robust drive capabilities

In This Role, You’re Expected To

• Maintaining operational and credit risk controls over sanctioned and disbursed portfolio by effectively applying monitoring tools.
• Monitoring portfolio to assess delinquency trends across various locations, profiles, programs, products, other parameters.
• Analyzing trends regularly to understand overall portfolio behaviour and also reasons for defaults by individual customers/ segments and accordingly suggesting appropriate modifications in policy, programs etc. based on trends observed.
• Competition benchmarking (peers and industry level) and tracking portfolio trends which will help in improving product and policy framework.
• Maintaining, enhancing and managing the Early Warning System (EWS) mechanism.
• Designing and developing various portfolio decks for the monitoring of portfolio – delinquency, repayment and outstanding segment wise, disbursements and sanctions across various critical parameters and demography.
• Deriving and highlighting analytical insights from the portfolio monitoring to senior management and stakeholders in order to augment policy decisions across various parameters like demography, customer segments, industry, etc.
• Planning, developing and executing reporting activities that would help in managing the credit perspective through various analytical approaches
• Preparing review notes and presentations for senior stakeholders
• Handling internal and regulatory audit which includes circulating and highlighting summary findings to senior management
• Coordinating with various internal stakeholders for arranging data availability for effective review and monitoring purposes
• Hind-sighting of credit policy implementation
• Training to front-line team
• Portfolio house- keeping
• Complaint management /resolution providing to ground team related to all program and guidelines
• Business development and lifecycle management of RMs including driving knowledge management & KPI driving for SME segment teams