Relationship Manager-Agri SME

Ujjivan Small Finance Bank; Jaipur; On-site; INR 600,000 - 900,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. invites applications for a Relationship Manager-Agri SME Lending in our Agriculture Banking team. You will drive business by self-sourcing, branch collaboration, and DSA channels, while ensuring timely repayments and healthy portfolio quality.

The role requires 2–4 years in Agriculture SME banking or banking sales with loan ticket sizes over Rs 10 lacs. A graduate with strong financial statement literacy and Excel skills will thrive in this position.

Qualifications

• Graduate with 2–4 years’ experience in Agriculture SME banking or mortgage sales.
• At least 2 years in banking sales with loan ticket > Rs 10 lacs.
• Proficient in reading financial statements (P&L, balance sheet) and Excel.

Responsibilities

• Monitor daily/weekly/monthly targets and progress against annual plans.
• Develop and manage DSA channels within defined geography; ensure timely payout to DSA.
• Coordinate with Credit Manager for case approvals and CAD; oversee disbursement timelines.
• Maintain daily sales reports and DSA tracker; enable ongoing market outreach and marketing.

Skills

Financial statements

Excel

Education

Any Graduate

Tools

MS Office

MS Teams

VPN

Job description

Job Description:

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

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

• 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

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 Interactions

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

Hardware & Software Requirements

• 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

PREPARED BY: Alok sharma

REVIEWED BY: Murali Chari

DATE: 16-08-2025

LAST UPDATED BY: TM Team

DATE: 17-11-2025