Relationship Manager-Retail Agri (Working Capital)

Hdfc Bank

3 - 8 years

4 - 9 Lacs

Noida Gorakhpur Lucknow

Posted:16 hours ago| Platform:

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Skills Required

Msme Loan Working Capital Banking Sales Agri Finance Business Loan Asset Loan

Work Mode

Work from Office

Job Type

Full Time

Job Description

Job Title:

Job Summary:

Responsible for sourcing, servicing, and managing the Retail Agri and Working Capital loan portfolio across rural Uttar Pradesh. Ensures business growth, credit quality, customer relationship, and compliance.

Key Responsibilities:

Acquire customers for Agri loan products (KCC, dairy, working capital, tractor, etc.)
Source leads from farmers, FPOs, mandis, and Kisan clubs
Conduct field visits for credit assessment, documentation, and monitoring
Ensure timely disbursement and portfolio hygiene
Monitor delinquencies and support recovery/legal teams as required
Cross-sell liability, insurance, and digital banking products
Promote financial literacy and educate farmers on government schemes and digital tools
Maintain strong relationships with customers, local stakeholders, and branch teams
Coordinate with Credit, Operations, and Business Correspondents for smooth loan processing
Ensure adherence to internal policies and regulatory norms

Qualifications:

Graduate/Postgraduate in Agriculture, Rural Management, or any relevant field
310 years of experience in Retail Agri Lending, Rural Banking, or Working Capital Finance
Strong knowledge of agri credit, rural market dynamics, and compliance requirements
Excellent interpersonal and communication skills
Willingness to travel extensively within rural areas of assigned location

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