Relationship Manager-SME Agri lending

Role & responsibilities

• 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.

Preferred candidate profile

• 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)
• 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