Relationship Manager-Agri-Fin-Dealer Funding(DF) -Sales

• 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.