Portfolio Manager-KCC
IDFC FIRST Bank · Ahmedabad, Gujarat, India
- On site
- Full-time
- ₹800,000 / year
- Ahmedabad, Gujarat, India
Job highlights
- Manage KCC portfolio hygiene and retention.
- Enhance existing customer limits and relationships.
- Service interest and renew customer limits.
- Identify and pursue cross-sell opportunities.
- Collaborate with credit, ops, and product teams.
About the role
Portfolio Manager - KCC
IDFC FIRST Bank is seeking a dynamic Portfolio Manager to join our Rural Banking team. This role is crucial for maintaining and growing our KCC (Kisan Credit Card) portfolio.
Job Purpose
The primary goal is to ensure excellent portfolio hygiene, manage overdue parameters, and uphold key portfolio matrices. This includes customer retention, enhancing existing customer limits, managing interest servicing, and conducting regular reviews and renewals of customer limits. A key aspect of this role is identifying and capitalizing on cross-selling opportunities within the KCC customer base.
Roles & Responsibilities
- Manage the KCC Portfolio, ensuring strong portfolio hygiene through effective interest servicing, churning, review, renewal, and enhancement.
- Focus on customer retention and the strategic exit of subpar customers while retaining good credit customers.
Secondary Responsibilities
- Deepen customer relationships by proactively understanding, responding to, and anticipating their future needs and expectations.
- Introduce and implement solutions to clients to build and strengthen an effective portfolio.
- Collaborate closely with Credit, Operations, and Product teams on customer enhancement, retention, and exit strategies.
- Identify cross-sell opportunities to deepen relationships and increase the share of wallet.
- Generate New-to-Bank (NTB) leads from existing customers.
Managerial & Leadership Responsibilities
- Foster a collaborative work culture among Credit, Relationship Managers-KCC, Operations, and other relevant teams.
Key skills/competency
- Portfolio Management
- KCC Portfolio
- Rural Banking
- Credit Analysis
- Customer Relationship Management
- Cross-selling
- Financial Analysis
- Risk Management
- Product Knowledge
- Team Collaboration
Skills & topics
- Portfolio Manager
- KCC
- Rural Banking
- Credit Management
- Customer Retention
- Cross-selling
- Banking
- Financial Services
- Relationship Management
- Agri Business
How to get hired
- Tailor your resume: Highlight your experience in KCC portfolio management, credit analysis, and customer retention.
- Showcase relationship skills: Emphasize your ability to deepen client relationships and cross-sell banking products.
- Demonstrate collaboration: Provide examples of working effectively with credit, operations, and product teams.
- Quantify achievements: Use data to illustrate your success in enhancing portfolio value and reducing risk.
- Prepare for interviews: Be ready to discuss your strategies for portfolio hygiene and customer engagement.
Technical preparation
Review KCC product structure and guidelines.,Practice credit appraisal and risk assessment.,Study financial statement analysis for Agri clients.,Familiarize with banking CRM software.
Behavioral questions
Describe a time you improved portfolio hygiene.,How do you handle difficult customer renewals?,Share an experience of successful cross-selling.,How do you collaborate with credit and ops teams?
Frequently asked questions
- What are the primary responsibilities of a Portfolio Manager - KCC at IDFC FIRST Bank?
- As a Portfolio Manager - KCC at IDFC FIRST Bank, your primary responsibilities include ensuring portfolio hygiene, managing customer limits, servicing interest, driving customer retention and enhancement, and identifying cross-selling opportunities within the KCC customer base.
- What educational background is preferred for the Portfolio Manager - KCC role at IDFC FIRST Bank?
- While any graduate can apply, IDFC FIRST Bank prefers Agri Graduates for this role. Post-graduates and professionals with CA, CFA, or ICWA qualifications are also preferred.
- What is the expected experience level for the Portfolio Manager - KCC position?
- IDFC FIRST Bank is looking for candidates with 5 to 10 years of relevant experience in portfolio management or a similar role within the banking sector.
- How important is customer relationship management in this Portfolio Manager role?
- Customer relationship management is crucial. The role involves deepening relationships with existing KCC customers, understanding their needs, and proactively offering solutions and cross-selling opportunities.
- What kind of collaboration is expected in this Portfolio Manager position?
- You will need to work closely with internal teams such as Credit, Operations, and Product departments to manage customer portfolios effectively, focusing on enhancement, retention, and strategic exits.
- Does the Portfolio Manager role involve generating new business for IDFC FIRST Bank?
- Yes, a key responsibility is to generate New-to-Bank (NTB) leads from existing customers by identifying opportunities to deepen relationships and cross-sell products.