Manage overall performance of mortgage loan products (Home Loan, LAP, Asha).
Aim to minimize additions to NPAs by controlling delinquency levels.
Achieve resolution and normalization targets for risky loan segments.
Monitor portfolios that have exceeded pre-defined risk buckets (e.g., Risk-60).
Take corrective actions to mitigate risk and prevent deterioration.
Apply knowledge of laws like the SARFAESI Act and secured recovery processes.
Engage delinquent borrowers via calls, emails, and visits to recover dues.
Track contact outcomes, promises to pay, and follow-up actions on payments.
Collect, analyze, and interpret data to track portfolio health against KPIs.
Prepare detailed reports and provide insights for management action.
Continuously evaluate portfolio workflows and suggest improvements.
Implement best practices, tools, and technologies to boost efficiency
Attractive base salary aligned with experience and market standards.
Performance-linked incentives and bonuses tied to portfolio risk KPIs and collection goals.
(Middle/senior banking roles often include variable pay based on performance.)
Group Mediclaim Policy (health insurance) for employees and eligible dependents.
Group Term Life Insurance covering the employee.
Provident Fund contributions (statutory retirement fund).
Gratuity as per Payment of Gratuity Act after completion of qualifying years.
Some banks also support Voluntary Provident Fund (VPF) contributions as a savings/wealth addition.
Special concessional interest rates on home loans, car loans, and other employee loan products (after confirmation and eligibility) — a common perk in Indian banks
Generous leave provisions (casual, earned, medical and other statutory leaves).
Support for work–life balance and policies for life-stage events like maternity/paternity leave.
Mobile expense reimbursement to support work communications.
Meal card benefits in some grades/locations.
Travel or field-work allowances (especially relevant if the role involves field engagement).
Structured training programs and professional skill development initiatives.
Opportunities for internal mobility across functions and geographies within the bank.
Exposure to data analytics, risk management and portfolio strategy — valuable skills for career advancement
Axis Bank Limited — Company Profile Network & Presence Total Employees: ~104,400 Branches in India: 5,876 ATMs & Cash Recyclers: 13,941 Overseas Offices: 8 Rural / Semi-Urban Branches: ~47% of total branches... Read More