RL - Rural Lending : National Product Head / Geography Head- Farmer Finance
INTERNAL USAGE : No. of Vacancies :
Nil
Reports to :
RL - Rural Lending : Business Head - Farmer Funding and Gold
Is a Team leader
Team Size : 500-700
Grade : SVP -1
Business : Farmer Finance
Department : Rural Lending
Sub - Department : Farmer Funding
Location : Central Office
About Rural Lending - Farmer Funding
Explain :
The program aims to provide timely credit facilities to Individual Farmers Farmer funding to meeting all their cultivation, farm maintenance, consumption and investment needs
AbouttheRole
Why does the role exist
- To drive the business budgets with compliance to the bank laid down policies, processes.
What is its contribution towards the organization
This role contributes in driving a business from the line team, Attrition control, P&L Profitability, Guiding the team till ground level.What is the size of the operation the position manages and supports
Specific / Mapped geographies of the IndiaKey Responsibilities
Job Description : -
Handling entire Farmer Funding Loan Sales and devising and implementing strategies for business improvement.Achievement of monthly Disbursement and Book targets of mapped geographyTo create new business relationships and manage existing internal and external tie-ups to push Farmer Funding Loan businessPrevention of Fraud Occurrence, and effectively complying with audit and compliance queries.Conduct regular business reviews to ensure Sales numbers are on track and marketing activities / Expenses are within budgetCreate monthly and quarterly plans with respect to budget provided and devise ways to achieve the sameTo control the attrition at different levels of on-roll staff and off-roll staff, and oversee necessary recruitment with the cooperation of ZSMs and HRPrepare manpower requirement plan at the beginning of the year while covering all the assigned areas to maximize business from different areasTo devise regional strategies to ensure team achieve benchmark productivity for both On-Roll and Off-Roll staff on business numbersKey Result Areas : -
Budget Achievement - By achieving the disbursement and book budget of the assigned territoryRecruitment - by achieving the required quality levels of recruitment numbers in stipulated time and ensure minimal attritionChannel business - To increase the proportion of business that is being sourced through alternate internal / external channelsProcess and Compliance - To achieve the highest level of operational and compliance superiority along with top line numbers.Attrition Control - To minimize the level of attrition at all levels of employees in the assigned teamP & L ProfitabilityQualifications
Optimal qualification for success on the job is :
MBA / Post graduate with relevant experienceExperience of 10+ Years in Financial Services and Agri Business IndustryRole Proficiencies :
For successful execution of the job, a candidate should possess the following :
KnowledgeKnowledge of Agriculture ecosystem, Core Farmer Funding Functions, Products and Processes
Strong hold of regulatory guidelines and industry practices
Knowledge of Technology advancements in the industry etc
SkillsExcellent communication (both verbal & written)
Inter-personal skills
Leadership and Team Management skills
Negotiation skills
AbilitiesAbility to work effectively across functions and demonstrated ability to coach and mentor others
Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment
Ability to prioritize and make decisions in a fast-paced environment
Ability to work as a part of team and contribute towards team goals
Ability to manage multiple tasks / projects and deadlines simultaneously
Skills Required
regulatory guidelines , agri business