RC - Zonal Credit Manager - Tractor - Rural Credit

About Rural Credit
Rural Lending is a part of Retail Credit and caters to all financial needs of the Rural Clientele including Farming community, Farm Mechanization ie Tractor & Harvestor, Traders & Processors mostly based out of Rural & Semi Urban areas along with the credit needs of the industries dependent on the Agriculture /allied activities and MSME businesses based in rural areas, and Micro Finance, which is Lending to economically active poor Women under Joint Liability Group.

About the RoleThe Zonal Credit Manager manages the credit activities and processes of the Rural Credit vertical for the designated Zone which consists of multiple Regions. The Zonal Credit Manager is responsible for smooth functioning of the Credit appraisal activities, ensures adherence to the processes designed by the bank and manages Team & Portfolio.

Key Responsibilities.Ensuring quality in underwriting of Farm Mechanisation/Tractor Loans within the framework of the Policy..Review of the credit proposals by providing quick insight as a part of the sanctioning authority.Managing the Team and ensuring adherence to defined Turn Around Time & Audit compliances.Ensure the quality of proposals and minimize delinquency and build portfolio of expected quality..Gather market intelligence with other financial institutions to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions.Manage Team and relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

Qualifications Desired.Graduation/ Post- Graduation / Post Graduate in Agri business Management (MBA/ CA preferred) from a recognized institute.

Role Proficiencies:.Knowledge of credit, preferably Farm Mechanization/Tractor/Farmer Funding industry and product trends.Knowledge of regulatory guidelines and norms.Good communication (both verbal and written) skill in both English and the local language