Product Manager

Mployee.me; Mumbai; On-site; INR 1,500,000 - 2,300,000; Full time

Job summary

Mployee.me in Mumbai is seeking a Portfolio Manager to lead portfolio management and risk monitoring for SME Banking. The role targets analysis, reporting, and policy guidance across a diversified SME portfolio.

The ideal candidate will have CA or MBA with 3-7 years of relevant experience, strong data interpretation skills, and a proactive approach to risk controls and policy enhancements.

Qualifications

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

Responsibilities

• 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 reasons for defaults by customers/segments and accordingly suggesting policy modifications.

Skills

Portfolio analysis

Risk monitoring

Data interpretation

Credit policy

Stakeholder communication

Education

CA or MBA with 3-7 years experience

Tools

Excel

SQL

Power BI

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