Cluster Head

Location-Ahmedabad /rajkot Grade - upto SM /AVP - To lead and manage the Agri Banking business across the assigned cluster/region by driving sales, ensuring portfolio growth, maintaining asset quality, and developing strong customer and stakeholder relationships. - Responsible for achieving business targets, expanding market presence, and ensuring compliance with bank policies and regulatory guidelines. Key Deliverables / KPIs: Business Growth: - Achieve monthly/quarterly business targets for Agri loans, deposits & fee income. - Increase cluster market share in Agri finance. Portfolio Quality: - Maintain PAR (Portfolio at Risk) & NPA within approved limits. - Ensure timely renewal and monitoring of accounts. Team Productivity: - Ensure 100% manpower availability at branches. - Drive team performance through training, reviews, and target achievements. Customer & Stakeholder Engagement: - Strengthen relationships with farmers, FPOs, agri-MSMEs, and co-operatives. - Leverage government schemes & subsidy programs for business. Compliance & Risk: - 100% adherence to audit norms, credit policy, and regulatory guidelines. - Zero tolerance for compliance lapses. Innovation & Digital: - Drive digital penetration (UPI, KCC cards, mobile banking, etc.) in rural/agri segment. - Support adoption of new agri-linked financial products. Requirements: - Graduate/Post-Graduate in Agriculture, Agri Business, Finance, or related fields (MBA preferred). - 8 to 10 years of banking experience with strong exposure to Agri / Rural banking with both b2b and b2b experience . - Proven track record in sales, business development, and portfolio management. - Strong leadership, analytical, and decision-making skills. - Knowledge of local Agri markets, government schemes, and agri value chains.