Area Business Manager – Commercial Bank (Crop Loans)

:

- Drive acquisition of Crop Loan business across the assigned geography through direct sourcing, field visits, and channel development.
- Lead and manage a team of Relationship Managers/Sales Managers responsible for Crop Loan sourcing and portfolio growth.
- Achieve business targets related to loan disbursement, portfolio outstanding, customer acquisition, revenue, and profitability.
- Develop strong relationships with farmers, agri-business customers, Farmer Producer Organizations (FPOs), agri-traders, commission agents, and other ecosystem partners.
- Identify potential agricultural lending opportunities and expand market penetration in rural and semi-urban markets.
- Monitor end-to-end loan processing including sourcing, documentation, credit assessment, sanction, and disbursement.
- Ensure portfolio quality by tracking delinquencies, collections, and early warning signals.
- Coordinate with Credit, Operations, Risk, Legal, and Collections teams for seamless business execution.
- Conduct regular market mapping and competitor analysis to identify growth opportunities.
- Train, coach, and mentor team members on product knowledge, sales techniques, and compliance requirements.
- Ensure adherence to regulatory, audit, risk, and policy guidelines of the bank.




- Generate cross-sell opportunities for liability products, insurance, and other banking solutions.
- Prepare and present business reviews, portfolio performance reports, and sales forecasts to senior management.
- Build strategic partnerships with local influencers, agri-input dealers, mandis, cooperatives, and rural institutions.

Job Requirements:

- Graduate in any discipline; MBA/PGDM preferred.
- 6–10 years of experience in Agri Lending, Crop Loans, Rural Banking, Commercial Banking, or Agricultural Finance.
- Proven experience in team handling and sales leadership roles.
- Strong understanding of crop financing, agricultural value chains, KCC, seasonal lending cycles, and rural credit assessment.
- Knowledge of agricultural markets, local farming practices, and government schemes related to agriculture finance.
- Strong customer acquisition, relationship management, and portfolio management skills.
- Good understanding of credit underwriting and risk management principles.
- Excellent communication, negotiation, and stakeholder management skills.
- Willingness to travel extensively within the assigned territory.
- Solid analytical, problem-solving, and team management capabilities.

📌 Area Business Manager-Agri-Fin-Dealer Funding(DF) -Sales (Gujarat)
🏢 Kotak
📍 Gujarat