Portfolio Head – Liabilities

Job description

Role Details: The Portfolio Head – Liabilities will lead the strategy, growth, and profitability of the bank’s liabilities portfolio (Savings Accounts, Current Accounts, Deposits). The role will drive AI-led transformation, digital innovation, and data-driven decision-making to maximize customer value, portfolio growth, and operational efficiency. Overall Job Description 1. Portfolio Strategy & Growth • Define and execute liabilities growth strategy (CASA + Deposits) • Drive portfolio expansion, market share, and profitability targets • Use AI-powered forecasting models for business planning and growth • Drive existing book growth strategy through structured portfolio interventions and lifecycle management 2. AI & Data-Driven Transformation • Lead adoption of AI/ML across customer acquisition, engagement, and retention • Implement advanced analytics frameworks for portfolio management , including segmentation, opportunity sizing, and performance tracking • Sponsor development of customer 360 views, personalization engines, and predictive models • Drive hyper-personalization and data-led decision-making across the customer lifecycle 3. Customer & Digital Innovation • Oversee end-to-end digital journeys across onboarding and servicing • Drive adoption of AI-enabled onboarding (eKYC, fraud detection) • Implement conversational AI, voice bots, and digital servicing tools • Enhance customer experience through event-triggered engagement and lifecycle-based customer journeys 4. Revenue & P&L Ownership • Own full P&L for liabilities portfolio • Optimize cost of funds, fee income, and overall portfolio profitability • Drive cross-sell penetration, customer retention, and usage/activation metrics across segments • Use predictive analytics for revenue forecasting and performance optimization 5. Portfolio Growth, Campaigns & Customer Engagement • Define customer mapping strategies to identify high-value segments, dormant customers, and cross-sell opportunities • Establish resource allocation models and engagement frameworks to improve RM/branch productivity and coverage quality • Build and scale Direct-to-Customer (D2C) and RM-led campaign frameworks across channels • Drive execution of key portfolio performance metrics • Design event-trigger infrastructure to trigger contextual engagement based on behavior and lifecycle signals • Implement CRM-driven contact strategies for branch banking to ensure structured, consistent, and measurable customer engagement 6. Partnerships & Ecosystem Development • Build partnerships with fintechs, digital platforms, and ecosystem players • Drive embedded banking and API-led integrations • Explore AI-led partnerships (fraud, analytics, personalization engines) 7. Risk, Compliance & Governance • Ensure compliance with RBI regulations, AML/KYC norms • Deploy AI-based fraud detection and risk monitoring systems • Strengthen governance using real-time alerts and predictive risk models 8. Leadership & Stakeholder Management • Lead cross-functional teams across Product, Analytics, Digital, Risk, and Sales • Drive a data-driven culture and AI adoption mindset • Mentor teams and build analytics and digital capabilities internally Education and Work Experience Requirements Education: Preferred: MBA / PGDM (Tier 1 / Tier 2 preferred) Work Experience: • 10–15 years in banking / liabilities / retail banking leadership roles • Strong experience in CASA, portfolio strategy, and digital transformation Desired Behavioral / Functional Traits • Deep understanding of liabilities products and retail banking ecosystem • Proven track record in P&L ownership and portfolio growth • Strong exposure to AI, analytics, and digital transformation initiatives • Strategic thinking with strong execution capability • Excellent stakeholder and leadership skills