Portfolio Manager - Savings Account

Role Details:

The Portfolio Manager - Savings Account will be responsible for managing portfolio performance, driving analytics-led growth, and optimizing customer lifecycle strategies. The role will leverage data, AI, and digital capabilities to improve acquisition, engagement, and profitability across Savings Account segments.

Overall Job Description

1. Portfolio Performance & Analytics

• Track and analyze CASA growth, balances, customer mix, and profitability
• Build AI-driven dashboards for real-time monitoring of portfolio health
• Use predictive analytics to identify trends in acquisition, churn, and engagement
• Identify portfolio gaps and recommend data-backed interventions

2. Customer Lifecycle & Engagement

• Design and execute lifecycle campaigns (onboarding activation retention)
• Use propensity models for targeted cross-sell / upsell opportunities
• Deploy personalized engagement strategies using customer data insights
• Analyze customer behavior to optimize funnel conversion and usage patterns

3. Digital & AI Enablement

• Leverage AI/ML tools for segmentation, campaign targeting, and performance tracking
• Work with analytics teams to deploy Next Best Action (NBA) and recommendation engines
• Use marketing automation platforms for personalized digital journeys
• Support deployment of chatbots and conversational AI for customer engagement

4. Campaign & Revenue Optimization

• Plan and track acquisition and engagement campaigns across channels
• Optimize campaign ROI using A/B testing and analytics
• Drive fee income, float income, and cross-sell revenue

5. Stakeholder Collaboration

• Work closely with Product, Analytics, Marketing, Digital, and Sales teams
• Act as a bridge between business and data science teams
• Support frontline teams with insights, dashboards, and performance tracking

6. Governance & Reporting

• Ensure adherence to internal policies and regulatory requirements
• Prepare periodic business reviews, portfolio reports, and insights decks
• Monitor campaign compliance and customer communication standards

7. Existing Portfolio Growth & Engagement Strategy

• Create and execute Existing Book Growth strategy through data-led portfolio interventions
• Develop analytics frameworks for portfolio management, enabling segmentation, opportunity sizing, and performance tracking
• Design customer mapping strategies to identify high-value segments, dormancy pockets, and cross-sell opportunities
• Define resource allocation models and engagement frameworks to optimize RM/branch productivity and customer coverage
• Drive execution of key portfolio performance metrics, including:
• Customer coverage quality
• Cross-sell penetration
• Customer retention and attrition control
• Usage and activation metrics
• Build and execute Direct-to-Customer (D2C) and RM-led campaign frameworks, ensuring omni-channel engagement
• Design event-triggered engagement infrastructure based on customer behavior, lifecycle stage, and transactional signals
• Develop and implement CRM-driven contact strategies for Branch Banking, ensuring:
• Structured customer outreach
• Consistent engagement frequency
• Improved conversion and relationship deepening

Education and Work Experience Requirements

Education:

Preferred: MBA / PGDM (Finance / Marketing)

Work Experience:

• 2-5 years in banking / financial services / analytics roles
• Experience in CASA / liabilities / portfolio management

Desired Behavioral / Functional Traits

• Strong analytical and data interpretation skills
• Familiarity with SQL, Excel, Power BI / Tableau
• Knowledge of customer lifecycle management and digital journeys
• Strong problem-solving and execution focus