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

Job description

Description: Role: Territory /Area Manager Function- ARB Crop Loans Grade- M2/M3/M4 JD: Job Roles: - Lead a team of Relationship Managers to oversee and expand the existing customer portfolio in the Crop Loans sector (KCC). - Possess thorough knowledge of the local geography and cropping patterns, with the ability to swiftly recruit high-quality team members - Oversee interest and NPA collections within the assigned area. - Regularly monitor accounts to prevent delinquencies, maintain portfolio hygiene, ensure timely closure of post-disbursement deferrals, and perfect security measures. - Strengthen relationships with existing customers by cross-selling additional asset and third-party products. - Manage the renewal of existing loans. - Collaborate with Credit and Legal teams to address customer requirements and manage disbursements - Enhance efficiency by monitoring processes and suggesting improvements based on ground realities and market trends. Job Requirements: - Bachelors or Master’s degree in Agriculture, Business Administration, or a related field. - Excellent oral and written communication skills. - Proficient in relationship management. - Strong leadership abilities. - Knowledge of the local market is a plus. - At least 4-6 years of experience in rural or crop loans