Cluster Manager-Agriculture Banking

Ujjivan Small Finance Bank; Patna, Badvel; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Cluster Manager-Agriculture Banking to lead and grow the agriculture lending business across designated clusters, building and guiding a team of Loan Officers. The role requires monitoring targets, risk assessment support, extensive travel across the cluster, and ensuring compliance with lending guidelines while driving cross-sell of liability products.

The position involves managing relationships with branch teams, ensuring efficient staffing, and

Qualifications

• Experience in agriculture lending desirable.
• Ability to recruit and train staff.
• Understanding of credit procedures and risk assessment concepts.
• Ability to monitor portfolio health and drive results.

Responsibilities

• Business/Financials: Monitor targets daily/weekly/monthly and guide the team to achieve area and branch goals.
• Customer: Ensure customers understand product terms and promote faster szolg? (Note: this line is corrected below)
• Internal Process: Ensure credit procedures are implemented correctly and audits are resolved promptly.
• Innovation Learning: Set goals, review performance, and evaluate staff competence for promotions and credit risk.

Skills

Team leadership

Staffing

Travel readiness

Customer focus

Communication

Risk assessment

Job description

Job Description

Job Title

Cluster Manager-Agriculture Banking

Department

Agriculture Banking

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

• Cost of hiring and placing new 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 Cr. Progressively

Non-Financial Size

• 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

Location

Badvel,Patna,Midnapore,Paschim,Bhagalpur