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

Job description

Description: Relationship Manager – Commercial Bank (Crop Loans) Job Description: - Acquire and manage Crop Loan customers within the assigned territory. - Source Crop Loan business through field visits, market mapping, farmer engagement, agri-business relationships, and referral channels. - Build and maintain strong relationships with farmers, agri-input dealers, commission agents, Farmer Producer Organizations (FPOs), and agri-value chain participants. - Assess customer credit requirements and recommend suitable crop financing solutions. - Manage the complete sales cycle from lead generation, customer onboarding, documentation, credit processing, and loan disbursement. - Ensure achievement of monthly, quarterly, and annual business targets for Crop Loans. - Conduct regular farm visits and customer meetings to understand agricultural activities and financial needs. - Monitor portfolio performance and ensure timely collection of repayments. - Identify early warning signals and coordinate with collections teams to maintain portfolio quality. - Cross-sell banking products including savings accounts, current accounts, insurance, deposits, and other lending products. - Maintain high standards of customer service and relationship management. - Stay updated on agricultural trends, crop patterns, government schemes, and rural market developments. - Ensure compliance with bank policies, regulatory requirements, and audit guidelines. - Prepare sales pipelines, customer reports, and portfolio review updates. Job Requirements: - Graduate in any discipline; Agriculture, Rural Management, Finance, or MBA preferred. - 3–8 years of experience in Crop Loans, Agri Finance, Rural Banking, KCC, Agricultural Lending, or Commercial Banking. - Strong knowledge of crop financing, agricultural cycles, rural markets, and lending products. - Experience in customer acquisition and relationship management. - Understanding of credit assessment, documentation, and loan processing. - Excellent communication, negotiation, and interpersonal skills. - Ability to build relationships with farmers and agricultural business communities. - Self-driven with strong sales and target orientation. - Proficiency in local language and regional market knowledge preferred. - Willingness to travel extensively within the assigned geography.