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Bharat Banking : Portfolio RM - Farmer Funding

Bharat Banking : Portfolio RM - Farmer Funding

ConfidentialNagpur, India
22 days ago
Job description

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 India
  • Key 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 geography
  • To create new business relationships and manage existing internal and external tie-ups to push Farmer Funding Loan business
  • Prevention 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 budget
  • Create monthly and quarterly plans with respect to budget provided and devise ways to achieve the same
  • To control the attrition at different levels of on-roll staff and off-roll staff, and oversee necessary recruitment with the cooperation of ZSMs and HR
  • Prepare manpower requirement plan at the beginning of the year while covering all the assigned areas to maximize business from different areas
  • To devise regional strategies to ensure team achieve benchmark productivity for both On-Roll and Off-Roll staff on business numbers
  • Key Result Areas : -

  • Budget Achievement - By achieving the disbursement and book budget of the assigned territory
  • Recruitment - by achieving the required quality levels of recruitment numbers in stipulated time and ensure minimal attrition
  • Channel business - To increase the proportion of business that is being sourced through alternate internal / external channels
  • Process 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 team
  • P & L Profitability
  • Qualifications

    Optimal qualification for success on the job is :

  • MBA / Post graduate with relevant experience
  • Experience of 10+ Years in Financial Services and Agri Business Industry
  • Role Proficiencies :

    For successful execution of the job, a candidate should possess the following :

  • Knowledge
  • Knowledge 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

  • Skills
  • Excellent communication (both verbal & written)

    Inter-personal skills

    Leadership and Team Management skills

    Negotiation skills

  • Abilities
  • Ability 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

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    Rm • Nagpur, India

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