AHMEDABAD · FULLTIME
Area Business Manager-Agri-Fin-Dealer Funding(DF) -Sales
Kotak Mahindra Prime
Ahmedabad · onsite · Posted 6d ago
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Not disclosed6–10 yrsfulltimeAhmedabad
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Section · 01
About this role
Area Business Manager – Commercial Bank (Crop Loans)
Job Description
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.
- 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.
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Section · 02
Skills
Agricultural FinanceCrop LoansCrop FinancingGovernment Schemes related to Agriculture FinanceKCC Seasonal Lending CyclesKnowledge of Agricultural MarketsLocal Farming PracticesRural Credit AssessmentAgri LendingTeam HandlingRural BankingSales LeadershipAnalytical Problem-SolvingCommercial BankingRisk management principlesagricultural value chainsPortfolio ManagementCredit UnderwritingCustomer AcquisitionRelationship Management
Section · Company
About Kotak Mahindra Prime
Kotak Mahindra Prime
NBFC
2.4k+
employees
1996
30 years old
Mumbai, Maharashtra
India
₹4.8L PA avg
Avg at Kotak Mahindra Prime
About
A leading car finance entity in India, providing a range of financing solutions for passenger vehicles and two-wheelers, supporting dealers and retail clients.
Industries
NBFC
Employee ratings
10 reviews
4.0/ 5
Culture
3.7
Career growth
2.4
Work-life
3.2
Employees rate it well for
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