Relationship Manager-Agri SME

Ujjivan Small Finance Bank; Jodhpur; Sur place; INR 700 000 - 1 100 000; Plein temps

Avantages offerts par ce poste

2 Wheeler

Android smartphone

Résumé du poste

Ujjivan Small Finance Bank Ltd. invites applications for Relationship Manager-Agri SME Lending within Agriculture Banking. The role targets branch-based growth, portfolio health and timely repayments, with DSAs and branch collaboration driving volume.

The candidate should have 2–4 years in Agriculture SME banking or mortgage sales, plus familiarity with financial statements and credit analysis. A 2-wheeler and Android smartphone are mandatory for field duties.

Qualifications

• Understanding of P&L, balance sheet and cash flow statements.
• Proficient in Excel for financial analysis.
• Knowledge of financial ratios and credit assessment.

Responsabilités

• Drive business targets in Agri SME lending and manage portfolio quality.
• Develop DSA channels and ensure timely payouts.
• Coordinate with Credit, CAD and Operations for disbursement and approvals.
• Maintain daily sales reports and DSA tracker.
• Ensure customer education on USFB products and services.

Connaissances

Financial statements understanding

Excel

Financial ratios

Formation

Graduate degree

Description du poste

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

PREPARED BY: Alok sharma

REVIEWED BY: Murali Chari

DATE: 16-08-2025

LAST UPDATED BY: TM Team

DATE: 17-11-2025