Website:
au.bank.in
Job details:
Portfolio Business Manager – Micro Business Loan/LAP
Job Summary
We are looking for an experienced and result-oriented
Portfolio Business Manager to lead business development, portfolio management, and team performance within the assigned cluster. The role is responsible for driving MSME/LAP business growth, managing customer relationships, ensuring portfolio quality, and coordinating with cross-functional teams for seamless loan processing and servicing.
Qualification
Experience
- 5–7 years of relevant experience in Banking/NBFC/BFSI.
- Minimum 4 years of experience in a leadership role.
- Preferred experience in Business Loans, Loan Against Property (LAP),& Housing Loans.
Key Skills
- Strong sales, business development, and portfolio management capabilities.
- Sound understanding of MSME lending, mortgage products, and credit assessment.
- Knowledge of property documentation, legal and technical processes, EMI calculations, and financial analysis.
- Excellent leadership, team management, negotiation, communication, and relationship-building skills.
- Familiarity with the local market and business environment.
- Proficiency in Hindi and English.
- Computer proficiency and willingness to travel extensively.
Key Responsibilities Business Development
- Drive business growth by achieving assigned sales and portfolio targets.
- Identify new business opportunities and expand market presence through field marketing and customer acquisition initiatives.
- Build and strengthen relationships with new and existing customers.
Team Leadership
- Lead, mentor, and motivate the sales team to achieve business objectives.
- Conduct regular training sessions on sales processes, products, and incentive programs.
- Support team members through joint customer visits and field guidance.
Portfolio Management
- Monitor portfolio quality and coordinate with Collections to ensure healthy portfolio performance.
- Handle customer servicing, query resolution, and delinquent account management.
- Ensure timely follow-up on leads and business opportunities.
Credit & Operations
- Conduct customer, business, and property verification as per company policies.
- Review income, banking, legal, and property documents for loan processing.
- Prepare credit recommendations and coordinate with Credit, Legal, Technical, Operations, and other internal stakeholders for timely case approvals and disbursements.
- Ensure proper documentation and secure handling of customer files.
Reporting & Compliance
- Prepare and submit MIS, sourcing reports, portfolio reviews, and other business reports within timelines.
- Ensure compliance with company policies, regulatory requirements, and risk management guidelines.
- Maintain confidentiality of customer and company information.
- Safeguard company assets and uphold the highest standards of integrity and ethical conduct.
Key Competencies
- Customer Focus
- Business Acumen
- Leadership & Team Development
- Results Orientation
- Problem Solving
- Decision Making
- Relationship Management
- Integrity & Accountability
- Collaboration & Coordination
Key Stakeholders
Internal: Credit, Legal, Technical, Operations, Collections, MIS, and Business Teams.
External: Customers, Business Partners, and Market Intermediaries.
Click on Apply to know more.
