Relationship Manager-Agri SME Lending

Ujjivan Small Finance Bank Ltd.; Patan District; On-site; INR 650,000 - 1,000,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in India seeks a Relationship Manager for the Agri SME Lending segment to drive growth and manage client relationships in the WEST BUSINESS region.

The role requires deep sector knowledge, credit appraisal expertise, and the ability to structure tailored financial solutions while ensuring regulatory compliance and financial inclusion goals.

Qualifications

• Bachelor’s degree in Agriculture, Finance, Business Administration, or related field; MBA or equivalent preferred.
• Minimum 5 years of experience in agricultural lending or SME credit management within banking/FS.

Responsibilities

• Develop and maintain relationships with Agri SME clients to understand needs and challenges.
• Perform credit appraisals and risk assessments in line with policies and regulations.
• Structure customized lending solutions aligned to client cash flows and cycles in agriculture.
• Collaborate with credit, risk and operations to ensure timely processing and disbursal.
• Monitor portfolio performance and identify early warning signals to minimize NPAs.
• Drive growth by identifying new lending opportunities and expanding the client base in WEST BUSINESS.

Skills

Agricultural Credit Analysis

SME Lending Expertise

Risk Assessment and Mitigation

Financial Statement Analysis

Loan Structuring and Documentation

Regulatory Compliance in Banking

Customer Relationship Management

Portfolio Management

Cross-Selling Financial Products

Market Research and Business Dev

Communication and Negotiation

Data-Driven Decision Making

Education

Bachelor’s degree in Agriculture

MBA or equivalent postgraduate qualification

Job description

POSITION DESCRIPTION

JOB TITLE Relationship Manager-Agri SME Lending GRADE M

DEPARTMENT WEST BUSINESS LOCATION #*Current Office Location*#

SUB-DEPARTMENT NA TYPE OF POSITION Full-time

REPORTS TO #*Reporting Designation*# REPORTING INTO NA

SIZE OF THE ROLE

FINANCIAL SIZE NON-FINANCIAL SIZE

Not Applicable Not Applicable

ROLE PURPOSE & OBJECTIVE

Join Ujjivan Small Finance Bank's WEST BUSINESS department as a key contributor focused on driving growth and managing relationships within the Agri SME lending segment. This role demands a strategic and customer-centric professional who can effectively assess creditworthiness, structure tailored financial solutions, and foster long-term partnerships with agricultural small and medium enterprises. The position requires deep understanding of the agricultural sector, SME financing dynamics, and regulatory frameworks, combined with strong analytical and interpersonal skills to support the bank's mission of financial inclusion and sustainable business growth in the region.

Key Duties And Responsibilities Of The Role

• Develop and maintain strong relationships with Agri SME clients to understand their financial needs and business challenges.
• Conduct detailed credit appraisals and risk assessments for loan proposals in the agricultural SME sector, ensuring compliance with bank policies and regulatory guidelines.
• Structure customized lending solutions that align with clients’ cash flow patterns and business cycles in agriculture.
• Collaborate with internal teams including credit, risk, and operations to facilitate smooth loan processing and timely disbursal.
• Monitor portfolio performance regularly, identifying early warning signals and implementing corrective actions to minimize non-performing assets.
• Drive business growth by identifying new lending opportunities within the Agri SME segment and expanding the client base in the WEST BUSINESS region.
• Educate clients on various banking products and services to enhance their financial literacy and promote cross-selling opportunities.
• Prepare and present detailed reports on portfolio status, market trends, and client feedback to senior management.
• Ensure adherence to all regulatory and compliance requirements related to agricultural SME lending.
• Participate in community outreach and networking events to strengthen the bank’s presence and reputation in the agricultural sector.

Educational Qualifications

MINIMUM REQUIREMENTS OF KNOWLEDGE AND SKILLS

• Bachelor’s degree in Agriculture, Finance, Business Administration, or related field; MBA or equivalent postgraduate qualification preferred.
• Minimum 5 years of experience in agricultural lending or SME credit management within the banking or financial services industry.

Experience #*Education and Experience*#

Certifications #*Required Certification/s*#

Functional Skills

• Agricultural Credit Analysis
• SME Lending Expertise
• Risk Assessment and Mitigation
• Financial Statement Analysis
• Loan Structuring and Documentation
• Regulatory Compliance in Banking
• Customer Relationship Management
• Portfolio Management
• Cross-Selling Financial Products
• Market Research and Business Development
• Communication and Negotiation
• Data-Driven Decision Making

Behavioural Skills

• Agricultural Credit Analysis
• SME Lending Expertise
• Risk Assessment and Mitigation
• Financial Statement Analysis
• Loan Structuring and Documentation
• Regulatory Compliance in Banking
• Customer Relationship Management
• Portfolio Management
• Cross-Selling Financial Products
• Market Research and Business Development
• Communication and Negotiation
• Data-Driven Decision Making

Competencies Required #*Competencies*#