External-LO-Agri Banking

1. ROLE PURPOSE & OBJECTIVE

• Loan Officer- Secured LOANS
• Managing secured loans of assigned URC/SFB branch
• Planning and organizing micro marketing activities for leads and business
• Looking for Early Warning Signals and informing the same to corporate team for timely corrective action in asset business

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Customer Base 70 Customers Approximately
• Portfolio size approx. 5 Crs

• Customer relationship building
• Collections
• Lead generation
• Marketing activities

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business:

• Managing Asset Products- managing Kisan Credit Card, Agri Enterprise Loans, other secured loans
• Knowledge on process and products- mortgage processes of the state in Kisan Credit Card, other product
• Cross-sell of liability products and third-party products
• Formation of Farmers Clubs one per branch/leveraging existing clubs, making use of the same for banks business
• Work with team in harnessing the potential of the area and achieving the set targets

Customer:

• Ensure that issues/ complaints raised by the customer are resolved within agreed TAT, work with Service Quality for improving customer service on an ongoing basis
• Developing and maintaining rapport with key persons / opinion makers of the village
• Work closely with Credit and Ops to ensure timely sanctions and DB Customer

Internal process:

• Completing mortgages on time/collection of Post disbursement documents
• Ensuring the collection efficiency and containing PAR and IOD within threshold levels

Learning & performance:

• Keep self-updated on the latest product, process and regulatory guidelines.
• Ensure completion of all nominated trainings for self.

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate, preferably in Agri/Allied Sciences, Post-graduation/ PGDBA/ MBA in Rural Management will be an added advantage

Experience (Years and Core Experience Type)

• Minimum 1-2 years of experience covering assets (agri and allied activity loans) and cross-sell in rural areas in a bank/ rural business focused input company

Certifications

• NA

Functional Skills

• Rich knowledge of rural markets, marketing activities and products suitable for rural / semi-urban markets (Rural urban corridors), team management, stake holder coordination and focus on P&L of overall business, fee income Should have managed a larger team/ geography.

Behavioral Skills

• Positive approach towards rural customers, rapport with Govt. Agencies, go getter, pro-active, motivating in bringing the best of team, mentor in setting examples, good trainer.

Competencies

• NA

1. KEY INTERACTIONS

INTERNAL

EXTERNAL

Branch Team

Lead Banks

Operations Team

BLBC (Block Level Bankers Committee)

Service Quality

Village Panchayats/Sarpanch

PREPARED BY: Alok Sharma

DATE: 20-02-2024

REVIEWED BY: Murali Chari

DATE: 21-02-2024