Job Description

Job Category: KMBL
Degree Level: Bachelor's Degree
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Key Responsibilities: Product Strategy & Development

• Develop and own the national strategy for the Crop Loan product portfolio, including pricing, policy, and product design.
• Monitor trends in agri-finance, government subsidies (e.g., KCC schemes), and rural credit demand to innovate and optimize product offerings.
• Design tailored products based on agro-climatic zones, crop patterns, and regional farmer needs.

Portfolio Management

• Drive growth in loan volumes, manage yields, NPA levels, and overall portfolio quality.
• Conduct regular reviews of product performance, customer feedback, and competitor offerings.
• Collaborate with credit and collections teams to fine-tune risk parameters and recovery strategies.

Go-to-Market & Sales Enablement

• Support field teams (Zonal/Regional Managers, Branch Managers) with product knowledge, sales tools, and campaigns.
• Develop training content and conduct capacity-building programs for the sales force.
• Design incentive schemes linked to crop loan targets and quality.

Digital & Process Innovation

• Collaborate with the digital team to build and refine digital journeys for crop loan application, sanction, and disbursement.
• Identify opportunities for digitizing field operations and farmer engagement using technology (e.g., mobile apps, satellite data, APIs with government platforms).

Stakeholder & Regulatory Engagement

• Coordinate with internal stakeholders (legal, risk, compliance, IT, marketing) to ensure seamless implementation of product policies.
• Represent the bank in meetings with government bodies, NABARD, or regulatory agencies on crop loan-related matters.
• Monitor and ensure adherence to RBI and NABARD guidelines.

Key Skills & Competencies:

• Strong understanding of rural/agricultural lending models and the Indian agri-ecosystem.
• Knowledge of government subsidy schemes (e.g., PMFBY, KCC).
• Analytical thinking with strong data-driven decision-making skills.
• Proven ability to work across cross-functional teams.
• Excellent communication, presentation, and stakeholder management skills.

Qualification & Experience:

• MBA in Finance / Agri-Business / Rural Management or equivalent.
• 8-15 years of experience in product management, rural/agri lending, or retail banking.
• Experience working in crop loan or related rural finance products is mandatory.