Manager - Monitoring(WC)

Role: Manager - Monitoring (WC)

Reports To: Monitoring Lead

Role Purpose & Objective:

1. Monitor the overall portfolio, set up triggers, dashboards, and define action items for revenue generation and course correction.
2. Plan, Set-up, and Own the Early Warning System (EWS) set-up.

Key Duties & Responsibilities:

Business/ Financials

• Monitor the portfolio to reduce delinquency in the MSME book.
• Liaise with customer-facing teams for income generation from monitoring activities.
• Coordinate timely updates between Sales, Credit, and Collections teams for stressed accounts.

Customer (Internal & External)

• Communicate with all areas of the company including distribution/sales, credit, operations, technology, communication, and strategy.
• Maintain relationships with control functions like Audit, Compliance, and Risk.

Internal Process

• Engage with business teams to understand monitoring pain points and provide input during product development.
• Publish reports and MIS tracking delinquency levels, exits, and pending items.
• Prepare management presentations related to portfolio health.
• Monitor fund-based, non-fund-based, and term loan products (utilization, churning, bounces, etc.).
• Follow up with customers, teams, or groups for closures.
• Regularly share MIS/trackers with stakeholders.

Innovation & Learning

• Train field staff.
• Adhere to training programs.
• Forecast product/policy changes based on customer feedback.

Minimum Requirements of Knowledge & Skills:

Educational Qualifications:

• MBA/PGDM or equivalent/CA

Experience:

• 1-3 years of experience in Product Management, Portfolio Monitoring, or Credit Risk in Banks/SFBs.

Functional Skills:

• Product Knowledge
• MS Office Suite
• Data Analysis and Storytelling using data tools

Behavioral Skills:

• Listening skills and understanding business needs
• Strong field orientation

Competencies:

• Communication skills
• Strong analytical skills and data-driven thinking

Key Interactions:

Internal / External

• Distribution Team
• External Vendors
• Operation & Service Quality Team
• External Auditors
• Strategy Team
• Business Partners
• IT Team
• Audit Team
• Credit Team
• Risk and Compliance Team.