Bharat Banking: Sales Manager – Farm Mechanization (Used) | AxisBank Job

About the Role

The Sales Manager – Farm Mechanization (Used) is responsible for driving business growth within the assigned geography through sourcing and disbursement of used tractor loans. The role focuses on building strong dealer and channel networks, enhancing market penetration, and ensuring portfolio quality while adhering to credit and compliance standards.

The incumbent will work closely with Credit, Operations, Collections, and Product teams to ensure seamless execution and customer experience.

Key Responsibilities

   1. Business Development & Growth
       ◦ Drive sourcing and disbursement targets for used tractor financing.
       ◦ Identify new markets, villages, and sourcing channels.
       ◦ Increase penetration and establish Axis Bank presence in the territory.
   2. Dealer & Channel Management
       ◦ Build and manage relationships with used tractor dealers, brokers, and rural influencers.
       ◦ Activate and improve productivity of channel partners.
       ◦ Conduct dealer meets and marketing activities to drive business volumes.
   3. Customer Acquisition & Engagement
       ◦ Understand customer requirements and recommend appropriate financing solutions.
       ◦ Ensure smooth onboarding and documentation processes.
       ◦ Deliver consistent customer service and drive referrals/repeat business.
   4. Credit & Portfolio Quality
       ◦ Conduct preliminary customer checks and field verifications.
       ◦ Ensure quality sourcing aligned with credit guidelines.
       ◦ Monitor early delinquency and coordinate with collections teams.
   5. Process & Compliance
       ◦ Ensure adherence to KYC, AML, and documentation standards.
       ◦ Maintain audit readiness and close any process gaps promptly.
   6. Market Intelligence
       ◦ Track competitor activity, pricing, and market trends.
       ◦ Share insights to support product and business strategy improvements.

Qualifications
   • Graduate in any discipline
   • MBA / PGDM preferred

Role Proficiencies:
   • Experience in rural lending / tractor finance / CV / Agri finance
   • Strong dealer and channel management capability
   • Understanding of credit processes and documentation
   • Knowledge of rural markets and customer behavior
   • Proven ability to achieve sales targets

Behavioral Competencies:
   • Strong execution focus
   • Relationship-building ability
   • Customer-centric mindset
   • Problem-solving orientation
   • High integrity and compliance focus

Job Skills: Refer to the Job Description Experience Required: 2-4 Yrs