Job Description:

RC - Credit Officer - Tractor - Rural Credit
INTERNAL USAGE:
No. of Vacancies: Reports to: Regional Credit Manager
Is a Team leader? N Team Size: NA
Grade:
Business: Corporate Center Department:� Retail Credit Sub-Department: Rural Credit
Location:
About Rural Credit
Rural Lending is a part of Retail Credit and caters to all financial needs of the Rural Clientele including Farming community, Farm Mechanization ie Tractor & Harvestor, Traders & Processors mostly based out of Rural & Semi Urban areas along with the credit needs of the industries dependent on the Agriculture /allied activities and MSME businesses based in rural areas, and Micro Finance, which is Lending to economically active poor Women under Joint Liability Group.
About the Role
The Credit Manager manages the credit activities and processes of the Rural Credit vertical for the designated location. The Credit Manager is responsible for smooth functioning of the Credit appraisal activities and ensures adherence to the processes designed by the bank
Key Responsibilities

� Preparation of the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency

� Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

� Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions





� Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

� Ensure timely completion of key deliverables, audit queries and adherence to the rural credit policy/ scheme
Qualifications Desired
� Graduation/ Post- Graduation / Post Graduate in Agri business Management (MBA/ CA preferred) from a recognized institute.
Role Proficiencies:

� Knowledge of credit, preferably Tractor or Farmer Funding industry and product trends

� Knowledge of regulatory guidelines and norms

� Positive communication (both verbal and written) skill in both English and the local language

Skills:

Refer to the Job Description

About Company:

Axis Bank is the third largest private bank in India, serving ~59 million customers with a workforce of over 104,400 employees as on March 31, 2025. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. As on March 31, 2025, The Bank has a large footprint of 5,876 domestic branches, 13,941 ATMs and cash recyclers, with close to 47% branches in rural and semi-urban region. The Bank's overseas operations encompass eight international offices, including branches in Singapore, Dubai (at DIFC), and Gift City-IBU. There are also representative offices in Dhaka, Dubai, Abu Dhabi, and Sharjah. The international offices focus on Corporate Lending, Coverage Business, Trade Finance, Syndication, Investment Banking, Liability Businesses, and Private Banking/Wealth Management offerings.

📌 RC - Credit Officer - Tractor - Rural Credit (Bareilly)
🏢 Axis Bank
📍 Bareilly