About the Role

• The Portfolio Manager is responsible for overseeing the loan portfolio and leading a team of Field Credit Officers within a specific state.Â
• 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.Â
• 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 Responsibilities
Team Leadership and Management:

• Supervise, 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 Growth:

• Develop 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 Management:

• Ensure adherence to the organization’s credit policies and procedures.
• Review and approve on loan applications recommended by FCOs, providing final credit decisions where necessary.
• Conduct periodic credit risk assessments and collaborate with the Regional Credit Manager and VP, Credit Portfolio Management to refine and enhance credit evaluation frameworks.

Compliance and Reporting:

• Maintain compliance with regulatory requirements and internal policies related to credit operations and portfolio management.
• Prepare and present regular portfolio performance reports to Regional Credit Manager and VP, Credit Portfolio Management, highlighting key metrics, trends, and recommendations for improvement.
• Ensure all documentation and records are accurate, up-to-date, and in line with compliance standards.

Stakeholder Engagement:

• Collaborate with cross-functional teams (Products, Operations, Risk, etc.) to ensure seamless loan disbursement and servicing processes.
• Develop and maintain strong relationships with business clients and community stakeholders to enhance the company’s market presence.
• Address and resolve escalated customer issues and inquiries related to the loan portfolio.

Process Improvement:

• Identify process gaps and inefficiencies within credit administration, making recommendations for system and process enhancements.
• Stay informed of industry best practices, market trends, and competitor activities, adapting strategies as needed.

Qualifications

• Bachelor’s Degree (or higher) in Business, Finance, Economics, or a related field
• Minimum of 4-5 years of relevant experience in lending, credit, or portfolio management, with at least 2 years in a supervisory role.
• Demonstrable experience in credit risk analysis and financial analysis.
• Strong knowledge of regulatory requirements and compliance in the financial sector.
• Proven track record in managing and growing a loan portfolio in a fast-paced environment.
• Must be resident in the state of responsibility.

Relevant Skills:

• Leadership & Team Management
• Analytical & Problem-Solving Skills
• Communication & Interpersonal Skills
• Strategic Thinking & Planning
• Attention to Detail
• Technology Proficiency

Other Requirements:

• High degree of integrity, professionalism, and confidentiality when dealing with sensitive information.
• Flexibility to travel for client visits, team meetings, and on-site evaluations as needed.
• Proactive and results-driven mindset, with a commitment to continuous improvement.

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About the Role

• As an Engineering Manager, you will drive the successful delivery and execution of projects within your teams.Â
• You will manage end-to-end technical planning, ensuring that product requirements are translated into actionable tasks, while orchestrating collaboration between various stakeholders including engineers, product managers, QA, and UX.Â
• This role requires a deep understanding of software design and development and the ability to plan, execute, and deliver product features in a timely and predictable manner.Â
• You will also be responsible for maintaining high technical standards, managing team bandwidth, and ensuring project milestones are met with efficiency and accuracy.

What you’ll get to do

• Own delivery and execution across cross-functional teams within the product area. Evaluate business and product requirements for feasibility and ensure they align with the existing product architecture, translating them into EPICs and technical stories. Work closely with Product Managers, UX Designers, and Engineers to refine and groom tasks.
• Plan and organize sprints with clearly defined goals, using project planning tools to establish timelines, and delivery milestones, and identify task dependencies early. Foster engineering processes that promote seamless collaboration and teamwork.
• Track team velocity to ensure resources are effectively allocated, balancing bandwidth with task demands. Coordinate alignment and manage dependencies across multiple stakeholders to prevent bottlenecks and ensure smooth execution.
• Contribute to critical projects by ensuring appropriate design patterns and coding techniques are applied. Remain hands-on, participating in code reviews to uphold high-quality standards.
• Ensure monitoring and observability are in place for all owned services, meeting defined SLIs/SLOs. Partner with Product Managers to track and publish post-deployment product metrics, ensuring transparency with key stakeholders.

Requirements
To succeed in this role, we think you should have:

• Candidates should possess a B.Sc in Computer Science, Engineering, or a related field
• At least 8 – 10 years of experience as a Software Developer, Software Engineer, or similar role.
• 5+ years of Java and Spring Boot experience.
• A minimum of 3 years of leadership experience is a must.
• Strong understanding of agile methodologies, sprint planning, and backlog management.
• Expertise in breaking down complex product requirements into structured EPICs, Stories, and Tasks.
• Solid experience with backend technologies. Experience with frontend is a plus.
• Knowledge of project planning tools for visualizing and tracking delivery timelines.
• Familiarity with engineering metrics and monitoring tools to assess team performance and product health.
• Capability to debug complex technical issues during incidents to identify solutions and run blameless RCA sessions.
• Understanding of deployment pipelines, continuous integration (CI), continuous deployment (CD), and their corresponding metrics.
• Ability to drive alignment across diverse technical and non-technical stakeholders.
• Exceptional ability to manage dependencies, mitigate risks, and communicate clearly with stakeholders.
• Proven track record of improving team velocity and fostering efficient delivery.

Generic Skills:

• Problem-solving: Ability to assess complex problems, find solutions, and make sound decisions.
• Communication: Strong written and verbal communication skills, including technical documentation and stakeholder reporting.
• Adaptability: Able to thrive in a fast-paced, changing environment, adjusting strategies as needed.
• Attention to Detail: Meticulous in documenting technical requirements and ensuring all aspects of a project are accounted for.

Supervisory skills:

• Team Management: Experience in managing and mentoring engineers, ensuring team growth and performance.
• Resource Allocation: Ability to assess bandwidth and manage resource distribution to optimize team performance.
• Feedback: Conduct regular performance reviews, providing constructive feedback and fostering a growth-oriented environment.
• Stakeholder Management: Lead project status reviews, manage expectations, and ensure smooth communication between teams and leadership.