Cluster Manager-Agriculture Banking

Ujjivan Small Finance Bank

Bhagalpur

On-site

INR 800,000 - 1,200,000

Full time

9 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Cluster Manager-Agriculture Banking to lead the Agriculture Lending business within the assigned cluster.

You will build and supervise a team of Loan Officers, drive growth, and cross-sell TPP and Liabilities products in partnership with Relationship Officers and Area Manager. You will monitor targets, support client visits, risk assessment, and recovery strategies; ensure compliance with lending guidelines; and travel across the cluster as required.

Qualifications

Graduate in Commerce, Agri or relevant subjects.
An MSc Agri, MBA or equivalent is an added advantage.
3–6 years in sales and documentation of loans, with at least 1 year in Agriculture Loans.
Certification in relevant areas is an added advantage.

Responsibilities

Drives Agriculture Lending business in the Cluster; responsible for growth and cross-sell of TPP & Liability Products.
Build efficient team of Loan Officers in the Cluster assigned.
Monitor targets and guide team to achieve them; provide solutions as required.
Support Loan Officers in client visits, risk assessment and recovery strategies.
Support Relationship Officers in client visits, risk assessment and recovery strategies.
Travel extensively across the cluster for business requirements.
Ensure customers are aware of products and terms; focus on lower TAT.
Monitor health of portfolio; ensure compliance with lending guidelines and audits.

Skills

Team building

Sales performance

Customer engagement

Communication

Willingness to travel

MS Office / Computer literacy

Education

Graduate in Commerce, Agri or relevant subjects

MSc Agri, MBA or equivalent (added advantage)

Tools

Finacle Core Banking (CBS)

Lending software

Job description

JOB TITLE

Cluster Manager-Agriculture Banking

GRADE

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

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

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