Portfolio Head – Liabilities – Banking

  • Mumbai
  • 15–18 years

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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