Bharat Banking:Portfolio RM - Farmer Funding

Axis Bank

  • Bhikhiwind, Punjab
  • Permanent
  • Full-time
  • 2 days ago
Job Description:RL - Rural Lending : National Product Head / Geography Head– Farmer Finance
INTERNAL USAGE:
No. of Vacancies: Nil Reports to: RL - Rural Lending: Business Head – Farmer Funding and Gold
Is a Team leader? Y Team Size: 500-700
Grade: SVP -1
Business: Farmer Finance Department: Rural Lending Sub-Department: Farmer Funding
Location: Central Office
About Rural Lending – Farmer FundingExplain:The program aims to provide timely credit facilities to Individual Farmers Farmer funding to meeting all their cultivation, farm maintenance, consumption and investment needs
About the RoleWhy does the role exist?
  • To drive the business budgets with compliance to the bank laid down policies, processes.
What is its contribution towards the organization?
  • This role contributes in driving a business from the line team, Attrition control, P&L Profitability, Guiding the team till ground level.
What is the size of the operation the position manages and supports?
  • Specific/ Mapped geographies of the India
Key ResponsibilitiesJob Description:-
  • Handling entire Farmer Funding Loan Sales and devising and implementing strategies for business improvement.
  • Achievement of monthly Disbursement and Book targets of mapped geography
  • To create new business relationships and manage existing internal and external tie-ups to push Farmer Funding Loan business
  • Prevention of Fraud Occurrence, and effectively complying with audit and compliance queries.
  • Conduct regular business reviews to ensure Sales numbers are on track and marketing activities/Expenses are within budget
  • Create monthly and quarterly plans with respect to budget provided and devise ways to achieve the same
  • To control the attrition at different levels of on-roll staff and off-roll staff, and oversee necessary recruitment with the cooperation of ZSMs and HR
  • Prepare manpower requirement plan at the beginning of the year while covering all the assigned areas to maximize business from different areas
  • To devise regional strategies to ensure team achieve benchmark productivity for both On-Roll and Off-Roll staff on business numbers
Key Result Areas :-
  • Budget Achievement - By achieving the disbursement and book budget of the assigned territory
  • Recruitment - by achieving the required quality levels of recruitment numbers in stipulated time and ensure minimal attrition
  • Channel business - To increase the proportion of business that is being sourced through alternate internal/external channels
  • Process and Compliance – To achieve the highest level of operational and compliance superiority along with top line numbers.
  • Attrition Control - To minimize the level of attrition at all levels of employees in the assigned team
  • P & L Profitability
QualificationsOptimal qualification for success on the job is:
  • MBA/Post graduate with relevant experience
  • Experience of 10+ Years in Financial Services and Agri Business Industry
Role Proficiencies:For successful execution of the job, a candidate should possess the following:
  • Knowledge
Knowledge of Agriculture ecosystem, Core Farmer Funding Functions, Products and ProcessesStrong hold of regulatory guidelines and industry practicesKnowledge of Technology advancements in the industry etc
  • Skills
Excellent communication (both verbal & written)Inter-personal skillsLeadership and Team Management skillsNegotiation skills
  • Abilities
Ability to work effectively across functions and demonstrated ability to coach and mentor othersAbility to manage risk and uncertainty for self and team within a dynamic priority-setting environmentAbility to prioritize and make decisions in a fast-paced environmentAbility to work as a part of team and contribute towards team goalsAbility to manage multiple tasks/projects and deadlines simultaneouslySkills:Refer to the Job DescriptionAbout Company:Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The Bank has a large footprint of 4,594 domestic branches (including extension counters) with 11,333 ATMs & 5,710 cash recyclers spread across the country as on 31st March, 2021. The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021.The Overseas operations of the Bank are spread over eight international offices with branches at Singapore, Dubai (at DIFC) and Gift City-IBU; representative offices at Dhaka, Dubai, Abu Dhabi, Sharjah and an Overseas subsidiary at London, UK. The international offices focus on Corporate Lending, Trade Finance, Syndication, Investment Banking and Liability Businesses

Axis Bank