Job Title

Cluster Head - Retail Agri

Business Unit

Retail Agri

Reporting To

Circle Head / Regional Head / Zonal Head

Job Function and Role Type

Sales, Supervisory, Extensive travel required

Version No

2.0

Job Purpose

Ensure business development of Retail Agri for the assigned cluster to achieve targets and profitability. Lead a result-oriented team to meet sales, recovery, and customer relationship objectives while ensuring compliance with banking regulations.

Key Responsibilities

Business Development

Achieve business targets across parameters like portfolio quality and cross-sell.

Provide strategies and guidance to meet objectives.

Ensure balanced growth and NPA control.

Customer Service & Competition Analysis

Deliver exceptional customer service.

Analyze competition to suggest customized product offerings.

Expand business in untapped areas and retain customers.

Team Management

Analyze MIS and team performance.

Recruit, train, and motivate staff to enhance productivity.

Promote a performance-driven and team-oriented culture.

Cross Functional Management

Coordinate with credit, operations, and collections teams.

Align cross-functional teams with bank policies and objectives.

Others

Undertake marketing activities and branch visits.

Communicate senior management directives effectively.

Provide feedback and solutions for customer/business issues.

Education:

Graduation (preferably Agri Business), MBA (preferably Agri Business).

Certifications:





None specified.

Key Competencies

Sales and influencing skills, banking product and process knowledge, planning and organizing skills, communication, leadership/team management.

Major Stakeholders

Customers, credit, branch banking, operations, farmers, agro centers, rural markets, business correspondents, senior leaders, HR.

Skills

NA

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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📌 Cluster Head-Retail Agri (India)
🏢 HDFC Bank
📍 India