Product and business manager

Job Description
Designation
Product & Business Manager FPO and Warehouse Receipt Financing
Department
Business Banking / Working Capital
Reporting To
Head Working Capital / Business Banking
Location
Mumbai (with extensive travel across agricultural markets, warehouses, FPO clusters, and rural hubs)

Role Purpose
To develop, implement, and scale the Bank's FPO Financing and Warehouse Receipt Financing business by driving product design, business sourcing, partnerships, portfolio management, risk controls, and operational processes.
The incumbent will be responsible for building an end-to-end ecosystem involving FPOs, commodity traders, aggregators, warehouses, collateral management agencies, agri-tech companies, and market intermediaries.

Key Responsibilities
Business Development & Portfolio Growth

• Build and grow the FPO and Warehouse Receipt Financing portfolio.
• Identify high-potential agricultural clusters, commodity belts, and FPO-rich geographies.
• Develop market penetration strategies for key commodities.
• Source business through direct engagement with FPOs, agri aggregators, traders, processors, and rural enterprises.
• Drive portfolio growth while maintaining asset quality.

Product Development
Design lending products for: FPO Working Capital, Procurement Finance, Warehouse Receipt Finance
Ecosystem & Partnership Management
Build partnerships with: Farmer Producer Organizations (FPOs), NABARD-supported institutions, Agri-tech firms, Commodity Traders and Processors
Process & Operations
Establish standard operating procedures for: Loan origination, Commodity valuation, Warehouse inspections, Stock audit processes, Collateral monitoring, Renewal and liquidation processes

Desired Candidate Profile
Experience

• 8 to 15 years of experience in:
• Agri Finance
• Commodity Finance
• Warehouse Receipt Finance
• Rural Banking
• Supply Chain Finance
• Working Capital Lending

Preferred Organizations
Candidates from:

• Commercial Banks, PSU Banks
• Small Finance Banks
• Warehouse Financing Companies

Knowledge Requirements
Strong understanding of:

• FPO ecosystem
• Agricultural value chains
• Commodity markets
• Warehouse Receipt Financing
• eNWR / WDRA framework
• Commodity pledge lending
• Agri supply chain financing
• Rural credit structures
• RBI and regulatory guidelines applicable to agri lending

Technical Skills

• Credit appraisal
• Financial analysis
• Working capital assessment
• Commodity valuation
• Inventory financing
• Risk assessment
• Portfolio analytics
• MS Excel and MIS reporting

Behavioral Competencies

• Strong relationship management
• Entrepreneurial mindset
• Strategic thinking
• Negotiation skills
• Problem-solving ability
• Ability to build a business from scratch
• Stakeholder management

Educational Qualification
Must Have

• MBA (Finance / Agri Business)
• CA / CFA / ICWA (preferred but not mandatory)

Preferred

• MBA in Agri Business from reputed institutes such as IRMA, MANAGE, IIFM, NIBM, or equivalent.