POSITION DESCRIPTION JOB TITLE : Relationship Manager-Agri SME Lending GRADE : M DEPARTMENT : Agriculture Banking LOCATION : Region/Branch SUB-DEPARTMENT : Business TYPE OF POSITION : Full time REPORTS TO : Circle Manager- Agri SME Lending REPORTING INTO

ROLE PURPOSE & OBJECTIVE

As RM, He/she will be responsible for achieving Business targets and managing healthy Portfolio, by ensuring timely repayments and controlling customer exits for Agri SME business.
This role seeks to drive business volume through the self-sourcing, branch collaboration or through DSAs.

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Monthly Business volume as per the business target, having average productivity of Rs 35 –50 lacs
X-Bucket Collections as per defined norms
Insurance cross-sell
Family SA and Business CA sourcing
Coordination with Credit Manager for case approval and CAD and Operations for case disbursement.
Maintains Daily sales report and sharing with supervisor.
Maintains DSA tracker for pay-out processing

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business
Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established
Identification and development of DSA channel, around the defined distance of the Sitting Hub
Provides regular updates and training to DSA channel; Ensure payout to DSA are on time
Create Awareness in the market through direct and indirect marketing
Tracks competition in terms of rates, credit assessment, DSA payouts, marketing activities
Customer
Identification and Fitment of Customer to USFB policy, through understanding of customer financial statements (P&L;, B/S) and financial ratio calculation; GST records and Bank statements
Ensure customers are educated about all products/services offered by USFB.
Ensure lower customer attrition by providing different products as per customer requirement.
Focus on lower TAT as per laid down standards.




Internal process
Ensure delinquency is within norms and does X-Bucket collection.
Ensure First time right (FTR) logins, Disbursement within TAT (Turn-around time), Collection of OTC, PDD.
Learning & Performance
Ensure that self is up to date on all relevant circulars and all products/services offered in the Branch.
Ensure adherence to training man-days/ mandatory training programs for self.
Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self
Bike or scooter with smart phone is mandatory for the role

~ MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational
Qualifications
~ Any Graduate

Experience (Years And Core Experience Type)
2-4 years of experience in Agriculture SME banking or Mortgage sales
At least 2-year experience in Banking sales segment (Vertical with Loan Ticket size
Rs 10 lacs)
Certifications

~ NA

Functional Skills
Good Understanding Financial statements including P&L;, B/S, Cash Flow and Audit report.
Financial ratio understanding like Current ratio, Gearing, Inventory days and such. Familiarity with Excel
Asset Requirement
2-Wheeler & Android Smart Phone

KEY INTERACTIONS

INTERNAL

EXTERNAL

Supervisors – Circle / Cluster Manager, RBM
Credit Manager, Legal Manager, Internal Valuer

CAD

Operations
Product

DSA

Legal & technical vendors
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
No
Yes
No
Yes
No
No
Yes
No
No
No
No
~ 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 Credpro Yes Maker PREPARED BY: Alok sharma Date REVIEWED BY: Murali Chari

DATE: 16-08-2025

LAST UPDATED BY: TM Team

DATE: 17-11-2025

📌 Agriculture Relationship Director (banking) (India)
🏢 Ujjivan Financial Services
📍 India