Job Description
Job Requirements
Role – Senior Manager – Portfolio Management
Function/Department – Credit Card
Location - Mumbai
Job Purpose:
Own portfolio P&L and unit economics; drive lifecycle levers; design affluent collections with Risk; govern benefit costs and migrations; and deliver disciplined MIS, forecasting and reviews.
· Portfolio P&L stewardship and unit-economics governance
· Lifecycle growth levers (activation, usage, spend deepening, attrition reduction)
· Risk partnership and affluent collections strategy
· Inorganic actions (migrations, transitions, sunsets)
· MIS, dashboards, forecasts and budgeting cadence
Primary Responsibilities:
· P&L & Unit Economics
· Build unit-level metrics and P&L with Finance
· Prepare monthly portfolio MIS (spends, activation, attrition)
· Ensure timely monthly budgeting and provisioning
· Track partner-led product costs and profitability (e.g., Maharaja Points)
· Rewards economics and breakage modelling with periodic ROI reviews and benefit rationalization cycles (quarterly/annual).
· Formal EWS (early warning) and behaviour scorecards for affluent cohorts; playbooks for pre‑emptive line controls and treatment paths.
· UPI‑on‑Credit adoption tracking, MCC/category controls, and merchant/category stimulus strategy.
· Formal dormancy and high‑value retention programs.
· Growth & Lifecycle
· Develop acquisition plans and run acquisition campaigns
· Design and execute portfolio growth campaigns to increase activation and usage
· Analyse attrition, upgrades, lifecycle and execute actions
· Plan and execute merchant/platform-led offers
· Disputes & chargeback analytics with TAT governance; systematic fee/interest reversal rules for billing errors; root‑cause loops to other relevant teams
· Analytics & Reporting
· Build and maintain dashboards
· Run forecasts and impact analysis for portfolio changes
· Develop new reports and dashboards to enhance visibility
· Risk & Collections
· Design and manage affluent-specific collections process
· Partner with Risk to monitor credit performance
· Inorganic & Transitions
· Design and execute migration plans (e.g., Vistara)
Secondary Responsibilities :
· P&L fluency & unit-economics
· Experimentation & measurement
· Analytical skills (SQL/Excel), dashboarding
· Cross-functional orchestration
· Risk/collections literacy (roll, flow, cure strategies) for premium books.
· Understanding of chargeback regimes (Visa/Mastercard) and issuer dispute ops.
· Regulatory knowhow: RBI card conduct (consent for CLI/closures/billing).
· Executive communication: crisp BRDs/PRDs, monthly business reviews, and escalation notes.
Managerial & Leadership Responsibilities
· Positive, collaborative attitude, Prolific communicator
· Ability to evaluate potential business opportunities, structure the team’s thinking, and reach insightful answers
· Experience in managing multiple cross-functional opportunities and projects in parallel
· Ambitious team player with the ability to manage the internal & external partners requirements and tasks in time sensitive situations
Qualifications: MBA Marketing / Finance / Graduate
Industries : Banking, Fintech
Experience:
· 7–10 years in portfolio mgmt/risk/analytics
· Hands-on MIS/reporting & P&L ownership
· Ability to translate insights into targeted actions