• POSITION DESCRIPTION JOB TITLE : Cluster Manager-Agriculture Banking GRADE : SM DEPARTMENT : Agriculture Banking

LOCATION:
BRANCH SUB-DEPARTMENT : TYPE OF POSITION : Full-time 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 current 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