Area Business Manager-Agri-Fin-Dealer Funding(DF) -Sales

Area Business Manager - Commercial Bank (Crop Loans)

Job Description:

• Drive acquisition of Crop Loan business across the assigned geography through direct sourcing, field visits, and channel development.
• Lead and manage a team of Relationship Managers/Sales Managers responsible for Crop Loan sourcing and portfolio growth.
• Achieve business targets related to loan disbursement, portfolio outstanding, customer acquisition, revenue, and profitability.
• Develop strong relationships with farmers, agri-business customers, Farmer Producer Organizations (FPOs), agri-traders, commission agents, and other ecosystem partners.
• Identify potential agricultural lending opportunities and expand market penetration in rural and semi-urban markets.
• Monitor end-to-end loan processing including sourcing, documentation, credit assessment, sanction, and disbursement.
• Ensure portfolio quality by tracking delinquencies, collections, and early warning signals.
• Coordinate with Credit, Operations, Risk, Legal, and Collections teams for seamless business execution.
• Conduct regular market mapping and competitor analysis to identify growth opportunities.
• Train, coach, and mentor team members on product knowledge, sales techniques, and compliance requirements.
• Ensure adherence to regulatory, audit, risk, and policy guidelines of the bank.
• Generate cross-sell opportunities for liability products, insurance, and other banking solutions.
• Prepare and present business reviews, portfolio performance reports, and sales forecasts to senior management.
• Build strategic partnerships with local influencers, agri-input dealers, mandis, cooperatives, and rural institutions.

Job Requirements:

• Graduate in any discipline MBA/PGDM preferred.
• 6-10 years of experience in Agri Lending, Crop Loans, Rural Banking, Commercial Banking, or Agricultural Finance.
• Proven experience in team handling and sales leadership roles.
• Strong understanding of crop financing, agricultural value chains, KCC, seasonal lending cycles, and rural credit assessment.
• Knowledge of agricultural markets, local farming practices, and government schemes related to agriculture finance.
• Strong customer acquisition, relationship management, and portfolio management skills.
• Good understanding of credit underwriting and risk management principles.
• Excellent communication, negotiation, and stakeholder management skills.
• Willingness to travel extensively within the assigned territory.
• Strong analytical, problem-solving, and team management capabilities.