Relationship Manager_Agri-Fin-Dealer Funding(DF) _0412_3713_1081845_HRR

• *Job Description (JD) – Relationship Manager, Agri\-Fin Dealer Crop**

• *Job Title:** Relationship Manager – Agri\-Fin Dealer Crop

• *Department:** Agri Business / Rural Banking

• *Location:** As per business requirement

• *Grade:** Assistant Manager / Deputy Manager / Manager

• *Role Purpose**

To drive business growth through acquisition and management of agri\-input dealers, fertilizer dealers, pesticide dealers, seed dealers, and other agri\-related business establishments by offering working capital, business loans, and other banking solutions. The role focuses on portfolio growth, relationship management, and asset quality.

• *Key Responsibilities**

• Acquire and onboard new Agri Dealer customers for business banking products.
• Source and manage Dealer Crop Finance proposals, Working Capital facilities, Business Loans, LAP, and other agri\-financing products.
• Develop strong relationships with fertilizer, pesticide, seed, farm equipment, and agri\-input dealers.
• Conduct customer meetings, financial analysis, and field visits for credit assessment.
• Ensure timely login, processing, sanction, and disbursement of loan proposals.
• Cross\-sell Liability Products, Insurance, Trade \& Forex services, and other banking products.
• Monitor portfolio performance and maintain delinquency within prescribed limits.
• Coordinate with Credit, Operations, Legal, and Risk teams for seamless loan processing.
• Maintain high customer service standards and ensure customer retention.
• Ensure adherence to KYC, compliance, regulatory, and internal audit requirements.
• Generate market intelligence and identify business opportunities in the assigned territory.

• *Eligibility Criteria**

• *Education:**

• Graduate in any discipline

• *Experience:**

• 2 to 8 years of experience in Agri Finance, Rural Banking, SME Lending, Dealer Finance, Working Capital, or Relationship Management.
• Experience in handling Agri Input Dealers, Fertilizer Dealers, Seed Dealers, Pesticide Dealers, or Rural SME customers preferred.

• *Required Skills**

• Strong relationship management and sales skills.
• Knowledge of Agri Finance products and credit underwriting basics.
• Good understanding of banking processes and regulatory requirements.
• Financial statement analysis and cash flow assessment.
• Negotiation and stakeholder management skills.
• Ability to work in a target\-oriented environment.