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

Bathinda, Punjab, India -

Full Time

Start Date

Immediate

Expiry Date

18 Jun, 26

Salary

0.0

Posted On

20 Mar, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Team Leadership, Relationship Management, Portfolio Management, Crop Loans, KCC, Geographical Knowledge, Recruitment, NPA Collection, Loan Renewal, Cross-selling, Credit Collaboration, Process Improvement

Industry

Banking

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

Responsibilities

The Area Business Manager will lead a team of Relationship Managers to expand the existing customer portfolio in Crop Loans (KCC) while overseeing interest and NPA collections within the assigned territory. Responsibilities also include strengthening customer relationships through cross-selling and managing loan renewals in collaboration with Credit and Legal teams.