- POSITION DESCRIPTION

JOB TITLE : Relationship Manager-Agri SME Lending

GRADE : M

DEPARTMENT : Agriculture Banking

LOCATION : Region/Branch

SUB-DEPARTMENT : Business

TYPE OF POSITION : Full-time

REPORTS TO : Circle Manager- Agri SME Lending

REPORTING INTO

- ROLE PURPOSE & OBJECTIVE
- As RM, He/she will be responsible for achieving Business targets and managing healthy Portfolio, by ensuring timely repayments and controlling customer exits for Agri SME business.
- This role seeks to drive business volume through the self-sourcing, branch collaboration or through DSAs.

- SIZE OF THE ROLE

FINANCIAL SIZE NON-FINANCIAL SIZE

- Monthly Business volume as per the business target, having average productivity of Rs 35 –50 lacs
- X-Bucket Collections as per defined norms
- Insurance cross-sell
- Family SA and Business CA sourcing
- Coordination with Credit Manager for case approval and CAD and Operations for case disbursement.
- Maintains Daily sales report and sharing with supervisor.
- Maintains DSA tracker for pay-out processing
- KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

- Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established
- Identification and development of DSA channel, around the defined distance of the Sitting Hub
- Provides regular updates and training to DSA channel; Ensure payout to DSA are on time
- Create Awareness in the market through direct and indirect marketing
- Tracks competition in terms of rates, credit assessment, DSA payouts, marketing activities

Customer

- Identification and Fitment of Customer to USFB policy, through understanding of customer financial statements (P&L;, B/S) and financial ratio calculation; GST records and Bank statements
- Ensure customers are educated about all products/services offered by USFB.
- Ensure lower customer attrition by providing different products as per customer requirement.




- Focus on lower TAT as per laid down standards.

Internal process

- Ensure delinquency is within norms and does X-Bucket collection.
- Ensure First time right (FTR) logins, Disbursement within TAT (Turn-around time), Collection of OTC, PDD.

Learning & Performance

- Ensure that self is up to date on all relevant circulars and all products/services offered in the Branch.
- Ensure adherence to training man-days/ mandatory training programs for self.
- Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self

Bike or scooter with smart phone is mandatory for the role

- MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational Qualifications

- Any Graduate

Experience (Years And Core Experience Type)

- 2-4 years of experience in Agriculture SME banking or Mortgage sales
- At least 2-year experience in Banking sales segment (Vertical with Loan Ticket size > Rs 10 lacs)

Certifications

- NA

Functional Skills

- Positive Understanding Financial statements including P&L;, B/S, Cash Flow and Audit report.
- Financial ratio understanding like Current ratio, Gearing, Inventory days and such. Familiarity with Excel

Asset Requirement

- 2-Wheeler & Android Smart Phone
- KEY INTERACTIONS

INTERNAL EXTERNAL

- Supervisors – Circle / Cluster Manager, RBM
- Credit Manager, Legal Manager, Internal Valuer
- CAD
- Operations
- Product
- DSA
- Legal & technical vendors
- Assets Requirement Details

Desktop with i5 configuration Laptop with i5 configuration Laptop with i7 configuration MS office Email EP2 + ATP + Mvision Email Kiosk + ATP + Mvision + Archival Email on phone VPN MS Team Mobile Bio Metric + MDM No

Yes

No

Yes

No

No

Yes

No

No

No

No

- Application Access Requirement Details

S.N. Application Name Access Required (Yes/No) Type of Access/ Role (Read/Write/ Maker/Checker/Authoriser) **Remarks (If Any)** 1

Credpro

Yes

Maker

PREPARED BY: Alok sharma

Date REVIEWED BY: Murali Chari

DATE: 16-08-2025

LAST UPDATED BY: TM Team

DATE: 17-11-2025

📌 Relationship Manager-Agri SME (Sikar)
🏢 Ujjivan Small Finance Bank
📍 Sikar