Relationship Manager-Agri SME

Ujjivan Small Finance Bank; Ahmednagar, Dausa, Alwar; On-site; INR 450,000 - 750,000; Full time

Job summary

Ujjivan Small Finance Bank seeks a Relationship Manager for Agri SME Lending to drive business volumes and maintain a healthy portfolio. The role involves self-sourcing, branch collaboration, and coordinating with DSAs to expand the customer base across multiple branches.

Focus is on timely repayments, low attrition, and cross-selling insurance and banking services.Travel across Alwar, Dausa, Sangamner, Jaipur, Kekri, Deoli, Ajmer, Kalan, Sikar, Bharatpur, Kota, Jodhpur, and other locations as

Qualifications

• Experience in relationship management in SME lending.
• Ability to drive business volume and manage a portfolio.
• Knowledge of DSA channels and payout processes.

Responsibilities

• Monitor targets daily/weekly/monthly against plan.
• Develop and manage DSA channels within defined areas.
• Provide updates and training to DSA channel; ensure timely payouts.
• Engage with customers, promote USFB products, and reduce attrition.
• Coordinate with Credit and Operations for approvals and disbursements.

Skills

Relationship management

Sales target achievement

DSA channel development

Job description

Job Title

Relationship Manager - Agri SME Lending

Grade

M

Department

Agriculture Banking

Location

Region/Branch

Sub-Department

Business

Type of Position

Full-time

Reports To

Circle Manager - Agri SME Lending

Role Purpose and Objective

• As RM, he/she will be responsible for achieving business targets and managing a healthy portfolio, by ensuring timely repayments and controlling customer exits for Agri SME business.
• This role seeks to drive business volume through the self-sourcing, branch collaboration or through DSAs.

Size of the Role

• Monthly business volume as per the business target, having average productivity of -50 lacs
• X-Bucket collections as per defined norms
• Insurance cross-sell
• Family SA and Business CA sourcing

• Coordination with Credit Manager for case approval and CAD and Operations for case disbursement.
• Maintains Daily sales report and sharing with supervisor.
• Maintains DSA tracker for pay-out processing

Key Duties and Responsibilities of the Role

Business

• Daily/Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established
• Identification and development of DSA channel, around the defined distance of the Sitting Hub
• Provides regular updates and training to DSA channel; Ensure payout to DSA are on time
• Create Awareness in the market through direct and indirect marketing
• Tracks competition in terms of rates, credit assessment, DSA payouts, marketing activities

Customer

• Identification and Fitment of Customer to USFB policy, through understanding of customer financial statements (PL, B/S) and financial ratio calculation; GST records and Bank statements
• Ensure customers are educated about all products/services offered by USFB.
• Ensure lower customer attrition by providing different products as per customer requirement.
• Focus on lower TAT as per laid down standards.

Internal process

• Ensure delinquency is within norms and does X-Bucket collection.
• Ensure First time right (FTR) logins, Disbursement within TAT (Turn-around time), Collection of OTC, PDD.

Learning Performance

• Ensure that self is up to date on all relevant circulars and all products/services offered in the Branch.
• Ensure adherence to training man-days/ mandatory training programs for self.
• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self

Bike or scooter with smart phone is mandatory for the role

Location

Alwar,Dausa,Sangamner,Jaipur,Kekri,Deoli,Ajmer,Kalan,Sikar,Bharatpur,Kota,Jodhpur,Palin