Cluster Manager-Agriculture Banking

Ujjivan Small Finance Bank Ltd.

Bihar Sharif

On-site

INR 600,000 - 840,000

Full time

9 days ago

Get a reply from this employer

Your resume and cover letter, tailored to exactly what they’re hiring for.

Get past ATS filters

Job summary

Ujjivan Small Finance Bank Ltd. Branch network seeks a Cluster Manager-Agriculture Banking to drive Agriculture Lending growth across designated clusters.

You will build and lead a team of loan officers, manage client visits, assess risk, and ensure compliance with lending guidelines. The role requires 3–6 years in sales and loan documentation, with at least 1 year in agriculture lending, and willingness to travel.

Qualifications

3 to 6 years in sales and documentation of loans, with at least 1 year in Agriculture Loans.
Mixed experience of Sales & Credit acceptable, but should be predominantly sales.
Relevant certifications shall be an added advantage.
Graduation in Commerce, Agri or relevant subjects; MSc Agri/MBA added advantage.

Responsibilities

Monitor targets on a daily/weekly/monthly basis and guide the team to achieve them.
Support Loan Officers in client visits, risk assessment and recovery strategies.
Staffing through timely recruitment and training.
Support Relationship Officers in client visits and risk/recovery activities.
Travel extensively across the cluster for business requirements.
Educate customers about products and terms; explain terms and conditions.
Monitor portfolio health and ensure compliance with lending guidelines and audits.
Ensure correct implementation of credit procedures and tools.
Set goals, conduct mid-year reviews and annual appraisal for self and team.

Skills

Team building

Sales leadership

Customer engagement

Regional language skills

English communication

Computer literacy

MIS software

Education

Graduation in Commerce/Agri

MSc Agri or MBA

Tools

Finacle Core Banking (CBS)

Lending Software

MIS systems

MS Office

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