Loan Officer-Agriculture Banking _ Tamilnadu, Kerala & Karnataka

Ujjivan Small Finance Bank

Bengaluru

On-site

INR 350,000 - 520,000

Full time

3 days ago

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Job summary

Ujjivan Small Finance Bank is hiring a Loan Officer-Agriculture Banking at a branch in Karnataka. The role manages asset products including Kisan Credit Card and Agri loans, builds farmer relationships and drives lending targets.

You will plan micro-marketing, form Farmers’ Clubs, coordinate with Credit and Ops, and ensure timely sanctions while maintaining service quality. The ideal candidate has 1-2 years rural banking experience, a graduate in Agriculture or related fields, and a mindset to

Qualifications

Graduate in Agriculture or allied sciences; postgraduate in Rural Management preferred.
1-2 years' experience in asset loans and rural cross-sell.

Responsibilities

Manage asset products (Kisan Credit Card, agri loans, other secured loans).
Cross-sell liability and third-party products.
Form Farmers’ Clubs per branch to drive business and build networks.

Skills

Rural market knowledge

Lead generation

Stakeholder coordination

P&L focus

Education

Graduate in Agriculture/Allied sciences; PGDBA/MBA in Rural Management advantageous

Job description

POSITION DESCRIPTION

JOB TITLE: Loan Officer-Agriculture Banking

GRADE: DM-II

DEPARTMENT: Agriculture Banking

LOCATION: Branch

SUB-DEPARTMENT: TYPE OF POSITION: Full Time

REPORTS TO: Area Manager-Agriculture Banking

REPORTING INTO: NA

ROLE PURPOSE & OBJECTIVE

Loan Officer-Agriculture Banking
Managing secured loans of assigned URC/SFB branch
Planning and organizing micro marketing activities for leads and business
Looking for Early Warning Signals and informing the same to corporate team for timely corrective action in asset business

SIZE OF THE ROLE

Customer Base – 70 Customers Approximately
Portfolio size – approx. 5 Crs
Customer relationship building
Collections
Lead generation
Marketing activities

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

Managing Asset Products- managing Kisan Credit Card, Agri Enterprise Loans, other secured loans
Knowledge on process and products- mortgage processes of the state in Kisan Credit Card, other product
Cross-sell of liability products and third-party products
Formation of Farmers’ Clubs one per branch/leveraging existing clubs, making use of the same for bank’s business
Work with team in harnessing the potential of the area and achieving the set targets

Customer

Ensure that issues/ complaints raised by the customer are resolved within agreed TAT, work with Service Quality for improving customer service on an ongoing basis
Developing and maintaining rapport with key person’s / opinion makers of the village
Work closely with Credit and Ops to ensure timely sanctions and DB Customer

Internal Process

Completing mortgages on time/collection of Post disbursement documents
Ensuring the collection efficiency and containing PAR and IOD within threshold levels

Learning & Performance

Keep self-updated on the latest product, process and regulatory guidelines.
Ensure completion of all nominated trainings for self.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate, preferably in Agri/Allied Sciences, Post-graduation/ PGDBA/ MBA in Rural Management will be an added advantage

Experience (Years and Core Experience Type)

Minimum 1-2 years of experience covering assets (agri and allied activity loans) and cross-sell in rural areas in a bank/ rural business focused input company

Certifications

Functional Skills

Rich knowledge of rural markets, marketing activities and products suitable for rural / semi-urban markets (Rural urban corridors), team management, stake holder coordination and focus on P&L of overall business, fee income Should have managed a larger team/ geography.

Behavioral Skills

Positive approach towards rural customers, rapport with Govt. Agencies, go getter, pro-active, motivating in bringing the best of team, mentor in setting examples, good trainer.

Competencies

KEY INTERACTIONS

INTERNAL