Full job descriptionJob SummaryThe Portfolio Manager is responsible for overseeing the loan portfolio and leading a team of Field Credit Officers within a specific state. This role involves setting performance targets, ensuring credit risk is managed effectively, maintaining a healthy loan portfolio, and driving growth of the business and loan products. The Portfolio Manager will collaborate closely with other departments (Products, Risk, Operations, etc.) to uphold credit policies and ensure successful loan disbursement and repayment.Key ResponsibilitiesTeam Leadership and ManagementSupervise, mentor, and provide guidance to Field Credit Officers (FCOs) within the assigned state.Set and communicate clear performance goals and objectives for the FCOs, ensuring alignment with the company’s overall targets and strategy.Conduct regular performance reviews, identify training needs, and foster professional growth among team members.Portfolio Oversight and GrowthDevelop and implement strategies to grow a robust and profitable loan portfolio in the assigned state.Monitor and analyze overall portfolio performance, including loan approvals, disbursements, and repayments, to ensure targets are met.Identify trends and potential risks, taking proactive measures to mitigate any issues that could impact portfolio health.Credit Risk ManagementEnsure adherence to the organization’s credit policies and procedures.Review and approve on loan applications recommended by FCOs, providing final credit decisions where necessary.

Bachelors Degree (or higher) in Business, Finance, Economics, or a related fieldMinimum of 4-5 years of relevant experience in lending, credit, or portfolio management, with at least 2 years in a supervisory role.