Relationship Manager-Agri SME

Ujjivan Small Finance Bank

Jaipur

On-site

INR 450,000 - 700,000

Full time

14 days+

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Job summary

Ujjivan Small Finance Bank is seeking a Relationship Manager for Agri SME Lending to drive business growth in agriculture-focused banking. You will manage a portfolio, assess credit, and coordinate with Credit, CAD and Operations for approvals and disbursements, while nurturing DSA partnerships.

The role requires field engagement, daily reporting, and adherence to service standards. A two-wheeler and smartphone are typically required, with emphasis on timely customer servicing and portfolio

Qualifications

Graduation required with basic understanding of financial statements (P&L, Balance Sheet, Cash Flow).
Knowledge of financial ratios and audit basics is desirable.
Experience in Agriculture SME banking or Mortgage sales is preferred.

Responsibilities

Achieve business targets and manage portfolio health by ensuring timely repayments and controlling customer exits for Agri SME lending.
Drive business volume via self-sourcing, branch collaboration or DSAs.
Identify and develop DSA channels and create market awareness through direct and indirect marketing.

Skills

Financial statements understanding

Excel

Credit assessment

Education

Any Graduate

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

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

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

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