REPORTS TO : Area Manager/Circle Manager-Agriculture Banking
REPORTING INTO
Relationship Manager-Agriculture Banking
Loan Officer-Agriculture Banking
- ROLE PURPOSE &
- OBJECTIVE
- Drives Agriculture Lending business in their respective Cluster. Is responsible for overall growth and success of the Agriculture Lending business & cross sell TPP &
- Liability Products
- Build efficient team of Loan Officers in the Cluster assigned
- SIZE OF THE ROLE
FINANCIAL SIZE NON-FINANCIAL SIZE
- Cost of hiring and placing new Relationship Officers at Branches
- Operational Cost of managing the Conveyance and Claims of Relationship Officers
- Cost of procurement marketing collaterals, sales aids
- Shall be expected to manage a portfolio of Rs.15 Cr. Progressively
- Managing a single product across the branches of operations
- Managing a team size of 5-6 employees progressively
- Managing assets like marketing collaterals, Stationary, Dockets and Systems
- Managing hiring and placement of Relationship Officers in required Branches
- KEY DUTIES &
RESPONSIBILITIES OF THE ROLE
Business/ Financials
- Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required
- Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
- Efficient staffing by timely recruitment & training
- Supports Relationship Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
- Should be ready to travel extensively across the cluster of control for business requirements
Customer (Both Internal &
- External)
- Ensure that customers are aware of the Product and services properly
- Ensure that customers are explained about the Terms &
- Conditions of Product
- Focus on lower TAT as per laid down standards.
Internal Process
- Monitor health of portfolio
- Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
- Ensure, supervise the correct implementation of the credit procedures including all the respective tools
Innovation &
- Learning
- Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
- Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
- Expected to be updated with all new improvement & innovations happening in the market and competitors
- Should be updated with the latest trends in civic and local laws of the territory of operation
- MINIMUM REQUIREMENTS OF KNOWLEDGE &
SKILLS
Educational
Qualifications
- Graduate in Commerce, Agri or relevant subjects
- An M Sc Agri, MBA or equivalent is an added advantage
Experience(Years and Core Experience Type)
- 3 to 6 years in sales and documentation of loans of which at least 1 years in Agriculture Loans in an NBFC/ Bank. Mixed experience of Sales &
- Credit is acceptable, but should be predominantly in sales
Certifications
- Relevant certifications shall be an added advantage
Functional Skills
- Ability to create teams and drive sales performance. Will be required to take complete ownership of Agriculture Lending at Cluster level.
- Ability to engage with customers, Plan & execute Marketing and Sales promotion for Agriculture Lending
- Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language.
- Adequate Computer knowledge
Behavioral Skills
- Sound Product knowledge
- Should possess Training Skills
- Willingness to travel & relocation as per business requirements and career opportunities
- Managing customer relations
- Performance oriented
Competencies
- Good Computer Knowledge
- Competent to handle MIS systems and Lending Software
- KEY INTERACTIONS
INTERNAL
EXTERNAL
- Product and Marketing Team
- Regional Operations, Credit
- Audit, Vigilance and FCU team
- Area Technical Manager
- Legal Vendors
- External marketing agencies
- Competitor Counterparts
- Assets Requirement Details
Desktop with i5 configuration
Laptop with i5 configuration
Laptop with i7 configuration
MS office Email EP2 + ATP + Mvision Email Kiosk + ATP + Mvision + Archival
Email on phone
VPN
MS Team
Mobile
Bio Metric + MDM
- Application Access Requirement Details
S.N.
Application Name
Access Required (Yes/No)
Type of Access/ Role (Read/Write/ Maker/Checker/Authoriser)
Remarks (If Any)
1
Finacle Core Banking (CBS)
Yes
Read
2
3
4
5
PREPARED BY: Alok Sharma
DATE: 20-02-2024
REVIEWED BY: Murali Chari
DATE: 26-08-2025
LAST UPDATED BY: TM Team
DATE: 13-11-2025
📌 Cluster Manager-Agriculture Banking (Bihar Sharif)
🏢 Ujjivan Small Finance Bank
📍 Bihar Sharif
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