Relationship Manager-Agri SME

Ujjivan Small Finance Bank; Ajmer; In loco; INR 400.000 - 600.000; Tempo pieno

Descrizione del lavoro

Ujjivan Small Finance Bank Ltd. invites a Relationship Manager-Agri SME Lending to drive growth in the Agriculture Banking segment. You will manage a healthy portfolio, ensure timely repayments, and work to minimize customer exits while supporting branch objectives.

The role includes self-sourcing, branch collaboration, and DSA engagement, with daily monitoring of targets and coordination with Credit, CAD, and Operations for timely disbursements.

Competenze

• 2–4 years of experience in Agriculture SME banking or Mortgage sales.
• At least 2 years in Banking sales with loan ticket size > Rs 10 lacs.
• Strong understanding of financial statements (P&L, Balance Sheet) and ratios.

Mansioni

• Achieve business targets and maintain a healthy portfolio with timely repayments.
• Drive business volume through self-sourcing, branch collaboration or DSAs.
• Monitor targets and enhance DSA payout and customer retention.

Conoscenze

Financial statements

Excel

Financial ratios

Formazione

Any Graduate

Descrizione del lavoro

• POSITION 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
REPORTING INTO

• ROLE PURPOSE & OBJECTIVE

• As RM, He/she will be responsible for achieving Business targets and managing 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

FINANCIAL SIZE
NON-FINANCIAL SIZE

• Monthly Business volume as per the business target, having average productivity of Rs 35 –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 & 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 (P&L, 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

• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational
Qualifications

• Any Graduate

Experience (Years And Core Experience Type)

• 2-4 years of experience in Agriculture SME banking or Mortgage sales
• At least 2-year experience in Banking sales segment (Vertical with Loan Ticket size > Rs 10 lacs)

Certifications

• NA

Functional Skills

• Good Understanding Financial statements including P&L, B/S, Cash Flow and Audit report.
• Financial ratio understanding like Current ratio, Gearing, Inventory days and such. Familiarity with Excel

Asset Requirement

• 2-Wheeler & Android Smart Phone
• KEY INTERACTIONS

INTERNAL
EXTERNAL

• Supervisors – Circle / Cluster Manager, RBM
• Credit Manager, Legal Manager, Internal Valuer
• CAD
• Operations
• Product
• DSA
• Legal & technical vendors
• Assets Requirement Details

Desktop with
i5 configuration
Laptop with
i5 configuration
Laptop with
i7 configuration
MS office
Email EP2 + ATP + Mvision
Email Kiosk + ATP + Mvision + Archival
Email on phone
VPN
MS Team
Mobile
Bio Metric + MDM
No
Yes
No
Yes
No
No
Yes
No
No
No
No

• Application Access Requirement Details

S.N.
Application Name
Access Required
(Yes/No)
Type of Access/ Role
(Read/Write/ Maker/Checker/Authoriser)
Remarks
(If Any)
1
Credpro
Yes
Maker