Portfolio Head - Liabilities - Banking

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 .