Associate Manager (Financial Inclusion)

BharatRohan Airborne Innovations Private Limited; Gurugram District; À distance; INR 800 000 - 1 200 000; Plein temps

Résumé du poste

BharatRohan Airborne Innovations Ltd. is seeking an Associate Manager to scale financial inclusion across rural and semi-urban markets. You will drive sales of financial cards and insurance products, and shape strategy for micro loans and agri lending.

This hands‑on role blends field sales, partner management and data‑driven planning. You will work with branch teams, channel partners and insurers to bring affordable financial products to first‑time and low‑income customers.

Qualifications

• MBA from a recognised institute (Finance, Marketing, Rural Management or Agri‑Business preferred).
• 2–3 years of experience in an NBFC, in sales and/or strategy for financial services.
• Hands‑on exposure to at least one of: micro loans, agri lending, financial cards or insurance distribution.
• Working knowledge of RBI and IRDAI regulations relevant to retail lending and insurance.

Responsabilités

• Drive sales of financial cards and insurance products through branch and field teams.
• Support growth of microfinance (JLG/SHG) and micro loan portfolios; explore agri lending opportunities.
• Analyze market potential, competitors, and customer needs; recommend product/pricing/channel improvements.
• Onboard and manage channel partners, BPOs, and agri‑input dealers; train field officers.
• Ensure compliance with RBI/IRDAI policies; promote financial literacy and fair selling.

Connaissances

Sales drive

Analytical thinking

Market understanding

Relationship building

Communication

Ownership

Integrity

Formation

MBA (Finance/Marketing/Rural Management/Agri-Business)

Outils

Excel

MIS

Description du poste

About Us

BharatRohan Airborne Innovations Ltd. is a leading Ag-tech firm based in India, committed to revolutionizing agriculture by empowering farmers with advanced technology solutions. Our mission is to ensure sustainable and secure food supply chains while enhancing farmers' profitability. With expertise in Hyperspectral Imaging and UAV-based decision support systems, we are reshaping agriculture and making a significant impact on the industry.

About the role

We are looking for an Associate Manager to grow our financial inclusion business across underserved, rural and semi-urban markets. You will drive sales of financial cards and insurance products, and shape strategy for micro loans and agri lending.

This is a hands‑on role that blends field sales, partner management and data‑led planning. You will work closely with branch teams, channel partners and insurers to bring affordable financial products to first‑time and low‑income customers.

Key responsibilities

1. Sales of financial cards

• Drive acquisition of credit, prepaid and co‑branded cards among underbanked and new‑to‑credit customers.
• Achieve monthly and quarterly targets for card issuance, activation and usage.
• Plan local campaigns, customer camps and onboarding drives with branch and field teams.
• Sell life, health, crop, livestock and credit‑linked insurance through branches and partners.
• Build working relationships with insurance partners and track policy issuance and renewals.
• Ensure customers understand coverage, premiums and claims, in line with IRDAI guidelines.

3. Micro loans and agri lending

• Support growth of microfinance (JLG/SHG) and individual micro loan portfolios.
• Identify opportunities in agri lending such as Kisan Credit Card, farm equipment, crop and allied activity loans.
• Work with credit and collections teams to keep portfolio quality healthy and delinquency low.

4. Strategy and analysis

• Analyse market potential, competitor offerings and customer needs in target geographies.
• Recommend product, pricing and channel improvements based on sales and portfolio data.
• Prepare MIS, dashboards and business reviews for senior management.

4. Partnerships and team coordination

• Onboard and manage channel partners, business correspondents, FPOs and agri‑input dealers.
• Train and guide field officers on products, sales pitch and compliance.
• Coordinate with product, risk, operations and compliance teams for smooth execution.

5. Compliance and customer focus

• Follow RBI, IRDAI and internal policies on fair practices, KYC and responsible lending.
• Promote financial literacy and fair, transparent selling to customers.

6. Card usage incentive program

• Own the end‑to‑end incentive program that rewards customers on every card transaction, with higher rewards for spends at Pragati Kendras / stores.
• Define reward slabs, eligibility rules and redemption processes in coordination with product, finance and store operations teams.
• Promote the program among farmers and customers through store staff, field officers and on‑ground campaigns.
• Monitor program performance (active users, transaction volume, store footfall, cost per transaction) and recommend improvements.
• Ensure all rewards and communications are transparent and compliant with RBI guidelines.

Qualifications and experience

Must have

• MBA from a recognised institute (Finance, Marketing, Rural Management or Agri‑Business preferred).
• 2–3 years of experience in an NBFC, in sales and/or strategy for financial services.
• Hands‑on exposure to at least one of: micro loans, agri lending, financial cards or insurance distribution.
• Working knowledge of RBI and IRDAI regulations relevant to retail lending and insurance.

Good to have

• Experience in rural or semi‑urban markets, or with MFIs, small finance banks or fintechs.
• Familiarity with co‑lending, business correspondent models or digital lending platforms.
• Fluency in the regional language of the territory.
• Willingness to travel extensively within the assigned region.

Skills and competencies

• Sales drive: strong target orientation and the ability to close deals in the field.
• Analytical thinking: comfortable with Excel, MIS and turning data into business decisions.
• Market understanding: knowledge of rural customers, credit behaviour and agri value chains.
• Relationship building: able to build trust with customers, partners and internal teams.
• Communication: clear verbal and written communication, including presentations to leadership.
• Ownership: self‑starter who can work independently with limited supervision.
• Integrity: commitment to ethical selling and customer protection.

Equal Opportunity Employer:

BharatRohan Airborne Innovations Ltd. is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We welcome applicants from all backgrounds to join our team and contribute to our mission of reshaping Indian agriculture through technology and innovation.