Designation

Product & Business Manager FPO and Warehouse Receipt Financing

Department

Business Banking / Working Capital

Reporting To

Head Working Capital / Business Banking

Location

Mumbai (with extensive travel across agricultural markets, warehouses, FPO clusters, and rural hubs)

Role Purpose To develop, implement, and scale the Bank's FPO Financing and Warehouse Receipt Financing business by driving product design, business sourcing, partnerships, portfolio management, risk controls, and operational processes.

The incumbent will be responsible for building an end-to-end ecosystem involving FPOs, commodity traders, aggregators, warehouses, collateral management agencies, agri-tech companies, and market intermediaries.

Key Responsibilities

Business Development & Portfolio Growth

- Build and grow the FPO and Warehouse Receipt Financing portfolio.
- Identify high-potential agricultural clusters, commodity belts, and FPO-rich geographies.
- Develop market penetration strategies for key commodities.
- Source business through direct engagement with FPOs, agri aggregators, traders, processors, and rural enterprises.
- Drive portfolio growth while maintaining asset quality.

Product Development Design lending products for: FPO Working Capital, Procurement Finance, Warehouse Receipt Finance

Ecosystem & Partnership Management

Build partnerships with: Farmer Producer Organizations (FPOs), NABARD-supported institutions, Agri-tech firms, Commodity Traders and Processors

Process & Operations





Establish standard operating procedures for: Loan origination, Commodity valuation, Warehouse inspections, Stock audit processes, Collateral monitoring, Renewal and liquidation processes

Desired Candidate Profile

Experience

- 8 to 15 years of experience in:

- Agri Finance

- Commodity Finance

- Warehouse Receipt Finance

- Rural Banking

- Supply Chain Finance

- Working Capital Lending

Preferred Organizations

Candidates from

- Commercial Banks, PSU Banks
- Small Finance Banks
- Warehouse Financing Companies

Knowledge Requirements

Strong understanding of

- FPO ecosystem
- Agricultural value chains
- Commodity markets
- Warehouse Receipt Financing
- eNWR / WDRA framework
- Commodity pledge lending
- Agri supply chain financing
- Rural credit structures
- RBI and regulatory guidelines applicable to agri lending

Technical Skills

- Credit appraisal
- Financial analysis
- Working capital assessment
- Commodity valuation
- Inventory financing
- Risk assessment
- Portfolio analytics
- MS Excel and MIS reporting

Behavioral Competencies

- Solid relationship management
- Entrepreneurial mindset
- Strategic thinking
- Negotiation skills
- Problem-solving ability
- Ability to build a business from scratch
- Stakeholder management

Educational Qualification

Must Have

- MBA (Finance / Agri Business)
- CA / CFA / ICWA (preferred but not mandatory)

Preferred

- MBA in Agri Business from reputed institutes such as IRMA, MANAGE, IIFM, NIBM, or equivalent.

📌 Product and business manager (Mumbai)
🏢 Urbane Corps
📍 Mumbai