Area Business Manager – Commercial Bank (Crop Loans)

Job Description:

• 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.

• Robust understanding of crop financing, agricu

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