Farm Equipment Loans Executive

Mahindra Finance; Thanjavur, Thiyagarajapuram; On-site; INR 250,000 - 450,000; Full time

Job summary

Mahindra Finance in Tamil Nadu seeks a field sales professional to drive farm equipment loan business through direct customer interactions, dealer networks, and intensive field marketing campaigns.

You will generate leads, assess creditworthiness, coordinate with credit and collections, and ensure timely loan disbursement while meeting targets. Flexible travel to rural areas is expected; freshers with sales aptitude may be considered.

Qualifications

• Graduate in any discipline.
• Additional qualification in Finance, Marketing, or Agriculture preferred.
• 15 years of experience in Farm Equipment Loans or related rural lending sales; freshers with strong sales aptitude may be considered.

Responsibilities

• Source new farm equipment loan business through direct customer interaction, dealer networks, and field marketing activities.
• Generate leads and convert them into loan disbursements while meeting monthly and annual targets.
• Conduct customer visits and assess creditworthiness, repayment capacity, and eligibility.
• Collect and verify customer documents required for loan processing.
• Coordinate with credit, operations, and collections teams for timely loan approval and disbursement.
• Develop and maintain relationships with tractor, farm equipment dealers, and rural business partners.
• Ensure compliance with company policies, regulatory requirements, and KYC norms.
• Monitor portfolio quality and support collections to minimize delinquencies.
• Maintain accurate records of customer interactions, leads, and loan applications.
• Participate in promotional campaigns, village visits, melas, and marketing activities to increase product awareness.

Skills

Agricultural finance knowledge

Sales & negotiation

Communication skills

Relationship management

Field marketing & lead gen

MS Office

Education

Graduate in any discipline

Finance/Marketing/Agriculture qualification preferred

Tools

MS Office

Job description

Key Responsibilities:

• Source new farm equipment loan business through direct customer interaction, dealer networks, and field marketing activities.
• Generate leads and convert them into loan disbursements while meeting monthly and annual business targets.
• Conduct customer visits and assess creditworthiness, repayment capacity, and eligibility.
• Collect and verify customer documents required for loan processing.
• Coordinate with credit, operations, and collection teams for timely loan approval and disbursement.
• Develop and maintain relationships with tractor, farm equipment dealers, and rural business partners.
• Ensure compliance with company policies, regulatory requirements, and KYC norms.
• Monitor portfolio quality and support collections to minimize delinquencies.
• Maintain accurate records of customer interactions, leads, and loan applications.
• Participate in promotional campaigns, village visits, melas, and marketing activities to increase product awareness.

Key Result Areas (KRAs):

• Farm Equipment Loan Disbursement
• Lead Generation & Conversion
• Dealer Relationship Management
• Portfolio Quality Maintenance
• Customer Acquisition & Retention
• Collection Support and Delinquency Control

Educational Qualification:

• Graduate in any discipline.
• Additional qualification in Finance, Marketing, or Agriculture is preferred.

Experience:

• 15 years of experience in Farm Equipment Loans, Tractor Loans, Rural Lending, Agri Finance, or NBFC/Banking sales.
• Freshers with strong sales aptitude may also be considered.

Required Skills:

• Knowledge of agricultural finance and farm equipment financing.
• Strong sales and negotiation skills.
• Good communication and interpersonal abilities.
• Customer relationship management skills.
• Field marketing and lead generation capabilities.
• Basic computer knowledge and proficiency in MS Office.

Key Competencies:

• Result Orientation
• Customer Focus
• Relationship Building
• Team Collaboration
• Problem Solving
• Integrity and Compliance
• Local Market Knowledge

Salary Range:

As per company norms and candidate experience.

Working Conditions:

• Extensive field travel.
• Interaction with farmers, dealers, and rural customers.
• Target-oriented role.