Job Description

#

Cluster Manager-Agriculture Banking - 3535-Gaya

Multiple locations








Department
EAST BUSINESS
Job posted on
Jan 09, 2026
Employee Type
Permanent
Experience range (Years)
4 years - 6 years

POSITION DESCRIPTION














JOB TITLE

Cluster Manager-Agriculture Banking

GRADE

SM











DEPARTMENT

Agriculture Banking

LOCATION

BRANCH











SUB-DEPARTMENT



TYPE OF POSITION

Full-time











REPORTS TO

Area Manager/Circle Manager-Agriculture Banking

REPORTING INTO

Relationship Manager-Agriculture Banking
Loan Officer-Agriculture Banking















ROLE PURPOSE & OBJECTIVE

Drives Agriculture Lending business in their respective Cluster. Is responsible for overall growth and success of the Agriculture Lending business & cross sell TPP & Liability Products

Build efficient team of Loan Officers in the Cluster assigned





SIZE OF THE ROLE



FINANCIAL SIZE

NON-FINANCIAL SIZE



Cost of hiring and placing new Relationship Officers at Branches Operational Cost of managing the Conveyance and Claims of Relationship Officers Cost of procurement marketing collaterals, sales aids Shall be expected to manage a portfolio of Rs.15 Cr. Progressively Managing a single product across the branches of operations Managing a team size of 5-6 employees progressively Managing assets like marketing collaterals, Stationary, Dockets and Systems Managing hiring and placement of Relationship Officers in required Branches





KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies Efficient staffing by timely recruitment & training Supports Relationship Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies Should be ready to travel extensively across the cluster of control for business requirements

Customer (Both Internal & External)

Ensure that customers are aware of the Product and services properly Ensure that customers are explained about the Terms & Conditions of Product Focus on lower TAT as per laid down standards.

Internal Process

Monitor health of portfolio Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations. Ensure, supervise the correct implementation of the credit procedures including all the respective tools

Innovation & Learning

Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement Expected to be updated with all new improvement & innovations happening in the market and competitors Should be updated with the latest trends in civic and local laws of the territory of operation









MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS







Educational
Qualifications

Graduate in Commerce, Agri or relevant subjects An M Sc Agri, MBA or equivalent is an added advantage







Experience(Years and Core Experience Type)

3 to 6 years in sales and documentation of loans of which at least 1 years in Agriculture Loans in an NBFC/ Bank. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales







Certifications

Relevant certifications shall be an added advantage







Functional Skills

Ability to create teams and drive sales performance. Will be required to take complete ownership of Agriculture Lending at Cluster level. Ability to engage with customers, Plan & execute Marketing and Sales promotion for Agriculture Lending Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language. Adequate Computer knowledge







Behavioral Skills

Sound Product knowledge Should possess Training Skills Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented







Competencies

Good Computer Knowledge Competent to handle MIS systems and Lending Software











KEY INTERACTIONS

INTERNAL

EXTERNAL



Product and Marketing Team Regional Operations, Credit Audit, Vigilance and FCU team Area Technical Manager Legal Vendors External marketing agencies Competitor Counterparts

Assets Requirement Details

Desktop with

i5 configuration

Laptop with

i5 configuration

Laptop with

i7 configuration

MS office

Email EP2 + ATP + Mvision

Email Kiosk + ATP + Mvision + Archival

Email on phone

VPN

MS Team

Mobile

Bio Metric + MDM

Application Access Requirement Details

S.N.

Application Name

Access Required

(Yes/No)

Type of Access/ Role

(Read/Write/ Maker/Checker/Authoriser)

Remarks

(If Any)

1

Finacle Core Banking (CBS)

Yes

Read





2











3











4











5















PREPARED BY: Alok Sharma

DATE: 20-02-2024



REVIEWED BY: Murali Chari

DATE: 26-08-2025



LAST UPDATED BY: TM Team

DATE: 13-11-2025