Product Manager

Role & responsibilities

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.