Relationship Manager-Agri SME

• POSITION DESCRIPTION
  
  

JOB TITLE : Relationship Manager-Agri SME Lending

GRADE : M

DEPARTMENT : Agriculture Banking

LOCATION : Region/Branch

SUB-DEPARTMENT : Business

TYPE OF POSITION : Full-time

REPORTS TO : Circle Manager- Agri SME Lending

REPORTING INTO

• ROLE PURPOSE & OBJECTIVE

• As RM, He/she will be responsible for achieving Business targets and managing healthy Portfolio, by ensuring timely repayments and controlling customer exits for Agri SME business.
• This role seeks to drive business volume through the self-sourcing, branch collaboration or through DSAs.
• SIZE OF THE ROLE
  
  

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Monthly Business volume as per the business target, having average productivity of Rs 35 –50 lacs
• X-Bucket Collections as per defined norms
• Insurance cross-sell
• Family SA and Business CA sourcing
• Coordination with Credit Manager for case approval and CAD and Operations for case disbursement.
• Maintains Daily sales report and sharing with supervisor.
• Maintains DSA tracker for pay-out processing
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE
  
  

Business

• Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established
• Identification and development of DSA channel, around the defined distance of the Sitting Hub
• Provides regular updates and training to DSA channel; Ensure payout to DSA are on time
• Create Awareness in the market through direct and indirect marketing
• Tracks competition in terms of rates, credit assessment, DSA payouts, marketing activities
  
  

Customer

• Identification and Fitment of Customer to USFB policy, through understanding of customer financial statements (P&L, B/S) and financial ratio calculation; GST records and Bank statements
• Ensure customers are educated about all products/services offered by USFB.
• Ensure lower customer attrition by providing different products as per customer requirement.
• Focus on lower TAT as per laid down standards.
  
  

Internal process

• Ensure delinquency is within norms and does X-Bucket collection.
• Ensure First time right (FTR) logins, Disbursement within TAT (Turn-around time), Collection of OTC, PDD.
  
  

Learning & Performance

• Ensure that self is up to date on all relevant circulars and all products/services offered in the Branch.
• Ensure adherence to training man-days/ mandatory training programs for self.
• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self
  
  

Bike or scooter with smart phone is mandatory for the role

• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
  
  

Educational

Qualifications

• Any Graduate
  
  

Experience (Years And Core Experience Type)

• 2-4 years of experience in Agriculture SME banking or Mortgage sales
• At least 2-year experience in Banking sales segment (Vertical with Loan Ticket size > Rs 10 lacs)
  
  

Certifications

• NA
  
  

Functional Skills

• Good Understanding Financial statements including P&L, B/S, Cash Flow and Audit report.
• Financial ratio understanding like Current ratio, Gearing, Inventory days and such. Familiarity with Excel
  
  

Asset Requirement

• 2-Wheeler & Android Smart Phone
• KEY INTERACTIONS
  
  

INTERNAL

EXTERNAL

• Supervisors – Circle / Cluster Manager, RBM
• Credit Manager, Legal Manager, Internal Valuer
• CAD
• Operations
• Product
• DSA
• Legal & technical vendors
• Assets Requirement Details
  
  

Desktop with

i5 configuration

Laptop with

i5 configuration

Laptop with

i7 configuration

MS office

Email EP2 + ATP + Mvision

Email Kiosk + ATP + Mvision + Archival

Email on phone

VPN

MS Team

Mobile

Bio Metric + MDM

No

Yes

No

Yes

No

No

Yes

No

No

No

No

• Application Access Requirement Details
  
  

S.N.

Application Name

Access Required

(Yes/No)

Type of Access/ Role

(Read/Write/ Maker/Checker/Authoriser)

Remarks

(If Any)

1

Credpro

Yes

Maker

PREPARED BY: Alok sharma

Date

REVIEWED BY: Murali Chari

DATE: 16-08-2025

LAST UPDATED BY: TM Team

DATE: 17-11-2025