- DrivingAgriculture Lending business in their respective Branches. Isresponsible for meeting agriculture lending goals, qualityportfolio and cross sell of all banking products.
1. SIZEOF THE ROLE
FINANCIALSIZE
NON-FINANCIALSIZE
- Shallbe expected to manage a portfolio of Rs. 15 Cr.
- Responsiblefor collections and portfolio quality
- Managingagriculture business and portfolio across the branches ofoperations
- Managinga team size of 5 employees progressively
- Managingassets like marketing collaterals, Stationary, Dockets andSystems
- Managinghiring and placement of Relationship Officers in requiredBranches, in future.
1. KEYDUTIES RESPONSIBILITIES OF THE ROLE
Business/Financials
- Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established for the areaand branches under his/her responsibility to provide guidance andsolutions to all stake holders as required.
- Supportsreportees- in his/her area in their duties of client visits, riskassessment and recovery strategies
- SupportsLoan Officers- in his/her area in their duties of client visits,risk assessment and recovery strategies
- Shouldbe ready to travel extensively across the branches of control forbusiness requirements
Customer(Both Internal External)
- Ensurethat customers are aware of the Product and services properly
- Ensurethat customers are explained about the Terms Conditions ofProduct
- Focuson lower TAT as per laid down standards.
InternalProcess
- Ensureright documentation and adherence to laid down process of theBank
- Monitorhealth of portfolio
- Ensurecompliance with lending guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observationsand take necessary steps to prevent recurrence audit and otherregulations.
- Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools
InnovationLearning
- Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self and reportees
- Evaluatethe staff competences in terms of promotion, business assessmentand credit risk assessment capacity and propose solutions forimprovement
- Expectedto be updated with all new improvement innovationshappening in the market and competitors
- Shouldbe updated with the latest trends in agriculture, civic and locallaws of the territory of operation
- Understandingmarket trends and competition and timely updation to supervisors
1. MINIMUMREQUIREMENTS OF KNOWLEDGE SKILLS
Educational
Qualifications
- Graduatein Commerce, Agri or relevant subjects
- AnM Sc Agri, MBA or equivalent is an added advantage
Experience(Years and Core Experience Type)
- 2years in sales and documentation of loans of which at least 1years in Agriculture Loans in an NBFC/ Bank. Mixed experience ofSales Credit is acceptable, but should be predominantly insales
Certifications
- Relevantcertifications shall be an added advantage
FunctionalSkills
- Abilityto sell source and sell agri loans, drive sales performance. Willbe required to take complete ownership of Agriculture Lending atBranch level.
- Abilityto engage with internal stake holders, customers and to ensurecustomer service and meet Banks goals.
- Marketingand Sales promotion for Agriculture Lending
- Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, explicit and purposeful language.
- AdequateComputer knowledge
BehavioralSkills
- SoundProduct knowledge
- Shouldpossess collaboration skills
- Willingnessto travel relocation as per business requirements andcareer opportunities
- Managingcustomer relations
- Performanceorientation
Competencies
- GoodComputer Knowledge
- Competentto handle MIS systems and Lending Software
1. KEYINTERACTIONS
INTERNAL
EXTERNAL
- Productand Marketing Team
- RegionalOperations, Credit
- Audit,Vigilance and FCU team
- AreaTechnical Manager
- LegalVendors
- Externalmarketing agencies
- CompetitorCounterparts
- LocalGovt Authorities
PREPAREDBY
DATE
REVIEWEDBY - TM Team
DATE04-01-2024
LASTUPDATED BY - TM Team
DATE13-03-2024
📌 Relationship Manager-Secured Agri Lending (Bargarh)
🏢 Ujjivan Small Finance Bank
📍 Bargarh
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