Website Dimensions HRD Consultants
Job Description:
Portfolio Head – Liabilities
Location: Mumbai
Reports to: Head – Personal Banking
Experience : 15-18 years
Role Details: The Portfolio Head – Liabilities will lead the strategy, growth, and profitability of the bank’s liabilities portfolio. 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
2. AI & Data-Driven Transformation:
– Lead adoption of AI/ML across customer acquisition, engagement, and retention
– Implement advanced analytics frameworks for real-time decision-making
– Sponsor development of customer 360 views, personalization engines, and predictive models
– Drive hyper-personalization and digital-first banking experiences
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 data-led insights and journey redesign
4. Revenue & P&L Ownership:
– Own full P&L for liabilities portfolio
– Optimize cost of funds, fee income, and portfolio profitability
– Use predictive analytics for revenue forecasting and cost optimization
5. 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)
6. 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
7. 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:
– 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
To apply for this job please visit www.iimjobs.com.
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