Kotak Mahindra Bank—Area Business Manager-Agri-Fin-Dealer Funding(DF) -Sales

Job description

Description: Area Business Manager – Commercial Bank (Crop Loans) Job Description: - Drive acquisition of Crop Loan business across the assigned geography through direct sourcing, field visits, and channel development. - Lead and manage a team of Relationship Managers/Sales Managers responsible for Crop Loan sourcing and portfolio growth. - Achieve business targets related to loan disbursement, portfolio outstanding, customer acquisition, revenue, and profitability. - Develop strong relationships with farmers, agri-business customers, Farmer Producer Organizations (FPOs), agri-traders, commission agents, and other ecosystem partners. - Identify potential agricultural lending opportunities and expand market penetration in rural and semi-urban markets. - Monitor end-to-end loan processing including sourcing, documentation, credit assessment, sanction, and disbursement. - Ensure portfolio quality by tracking delinquencies, collections, and early warning signals. - Coordinate with Credit, Operations, Risk, Legal, and Collections teams for seamless business execution. - Conduct regular market mapping and competitor analysis to identify growth opportunities. - Train, coach, and mentor team members on product knowledge, sales techniques, and compliance requirements. - Ensure adherence to regulatory, audit, risk, and policy guidelines of the bank. - Generate cross-sell opportunities for liability products, insurance, and other banking solutions. - Prepare and present business reviews, portfolio performance reports, and sales forecasts to senior management. - Build strategic partnerships with local influencers, agri-input dealers, mandis, cooperatives, and rural institutions. Job Requirements: - Graduate in any discipline; MBA/PGDM preferred. - 6–10 years of experience in Agri Lending, Crop Loans, Rural Banking, Commercial Banking, or Agricultural Finance. - Proven experience in team handling and sales leadership roles. - Strong understanding of crop financing, agricultural value chains, KCC, seasonal lending cycles, and rural credit assessment. - Knowledge of agricultural markets, local farming practices, and government schemes related to agriculture finance. - Strong customer acquisition, relationship management, and portfolio management skills. - Good understanding of credit underwriting and risk management principles. - Excellent communication, negotiation, and stakeholder management skills. - Willingness to travel extensively within the assigned territory. - Strong analytical, problem-solving, and team management capabilities.