Relationship Manager_Agri-Fin-Dealer Funding(DF) _0412_3713_1081845_HRR

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 strong 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.
• Good 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 environment.