Job Description (JD) – Relationship Manager, Agri-Fin Dealer Crop

Job Title: Relationship Manager – Agri-Fin Dealer Crop
Department: Agri Business / Rural Banking
Location: As per business requirement
Grade: Assistant Manager / Deputy Manager / Manager

Role Purpose

To drive business growth through acquisition and management of agri-input dealers, fertilizer dealers, pesticide dealers, seed dealers, and other agri-related business establishments by offering working capital, business loans, and other banking solutions. The role focuses on portfolio growth, relationship management, and asset quality.

Key Responsibilities
Acquire and onboard new Agri Dealer customers for business banking products.
Source and manage Dealer Crop Finance proposals, Working Capital facilities, Business Loans, LAP, and other agri-financing products.
Develop solid relationships with fertilizer, pesticide, seed, farm equipment, and agri-input dealers.
Conduct customer meetings, financial analysis, and field visits for credit assessment.
Ensure timely login, processing, sanction, and disbursement of loan proposals.
Cross-sell Liability Products, Insurance, Trade & Forex services, and other banking products.




Monitor portfolio performance and maintain delinquency within prescribed limits.
Coordinate with Credit, Operations, Legal, and Risk teams for seamless loan processing.
Maintain high customer service standards and ensure customer retention.
Ensure adherence to KYC, compliance, regulatory, and internal audit requirements.
Generate market intelligence and identify business opportunities in the assigned territory.

Eligibility Criteria

Education:
Graduate in any discipline

Experience:
2 to 8 years of experience in Agri Finance, Rural Banking, SME Lending, Dealer Finance, Working Capital, or Relationship Management.
Experience in handling Agri Input Dealers, Fertilizer Dealers, Seed Dealers, Pesticide Dealers, or Rural SME customers preferred.

Required Skills
Strong relationship management and sales skills.
Knowledge of Agri Finance products and credit underwriting basics.
Positive understanding of banking processes and regulatory requirements.
Financial statement analysis and cash flow assessment.
Negotiation and stakeholder management skills.
Ability to work in a target-oriented workplace.

📌 Relationship Manager Agri Fin Dealer Funding Df 0412 3713 1081845 Hrr Bhinmal
🏢 Kotak Securities
📍 Bhinmal