Job Description

Job Category: KMBL
Degree Level: Bachelor's Degree
:
The Regional Business Manager (RBM) - Crop Loan will be responsible for driving business growth, portfolio quality, and team productivity within the assigned region. The role demands strong expertise in agricultural lending, crop cycles, farmer connect, and building partnerships with local stakeholders to achieve business goals while ensuring compliance with organizational and regulatory guidelines.
Key Responsibilities Business Development & Growth

• Drive disbursement and portfolio growth of Crop Loan products in the assigned region.
• Achieve revenue, P&L, and productivity targets as per business plans.
• Identify new business opportunities through farmer groups, cooperatives, FPOs, input dealers, and rural institutions.
• Implement region-specific strategies to increase customer penetration and cross-sell other agri/retail banking products.

Team Management & Leadership

• Lead, manage, and mentor a team of Area/Branch Managers, Sales Officers, and Credit Officers.
• Build a high-performance culture through capability development, motivation, and periodic performance reviews.
• Drive recruitment, training, and retention of frontline sales & credit teams.

Credit & Risk Management

• Ensure high portfolio quality by adhering to credit underwriting policies and prudent risk management practices.
• Monitor delinquency, NPAs, and take corrective actions to minimize risks.
• Ensure compliance with internal controls, audit, and regulatory requirements.

Market Intelligence & Stakeholder Engagement

• Develop strong relationships with farmers, FPOs, local panchayats, agri-input dealers, and government departments.
• Stay updated with crop patterns, agri-economy trends, rainfall/irrigation updates, and policy changes impacting farmers.
• Provide regular feedback to product teams for process improvements and policy refinements.

Operational Excellence

• Drive adherence to process TATs in loan sourcing, appraisal, sanction, and disbursement.
• Ensure effective use of digital platforms and technology solutions for sourcing and monitoring.
• Maintain accurate MIS and submit reports to Zonal/Corporate Office as required.

Key Performance Indicators (KPIs)

• Regional disbursement volumes and P&L targets
• Portfolio quality (NPA % / delinquency control)
• Team productivity and attrition management
• Cross-sell ratio and customer satisfaction
• Compliance adherence and audit ratings

Candidate Profile
Education:

• Graduate / Post-Graduate in Agriculture, Agri-Business Management, Rural Management, or MBA (Finance/Marketing).

Experience:

• 10-15 years of experience in Agri Lending, preferably in Crop Loan / Kisan Credit Card / Rural Finance domain.
• Minimum 3-5 years in a regional leadership role managing multiple states/districts.

Skills & Competencies:

• Strong knowledge of agri-lending, crop cycles, and rural customer behavior.
• Leadership & team management skills with ability to drive large field force.
• Analytical and problem-solving ability with strong P&L orientation.
• Excellent communication and stakeholder management.

Skills Required