Bharat Banking:Portfolio RM

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 Y 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