Role Description

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 cooperative 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.

📌 Cluster Head Retail Agri Savar Kundla
🏢 HDFC Bank
📍 Savar Kundla