Relationship Manager-Agri SME

Ujjivan Small Finance Bank; Sikar; On-site; INR 420,000 - 660,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in India seeks a Relationship Manager-Agri SME Lending to drive loan origination and manage a healthy portfolio across Agriculture Banking. You will source business through self-sourcing, branch collaboration or DSAs, and coordinate with Credit & Operations for timely disbursement while ensuring repayments.

The role requires 2-4 years in Agriculture SME banking or mortgage sales, with a bike/mobile requirement and active field engagement across branches.

Qualifications

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

Responsibilities

• Achieve business targets and manage healthy portfolio with timely repayments.
• Drive business volume through self-sourcing, branch collaboration or DSAs.
• Coordinate with Credit Manager for case approvals and CAD for disbursement.
• Maintain daily sales reports and DSA payout trackers.

Skills

Financial statement analysis

Excel proficiency

Sales & banking

Education

Graduation

Tools

MS Office

VPN

Mobile banking tools

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.

KEY DUTIES & RESPONSIBILITIES 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

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

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

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

Equipment / Technology

• 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

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