Bharat Banking:Portfolio RM - Farmer Funding | AxisBank Job

Explain:

The program aims to provide timely credit facilities to Individual Farmers Farmer funding to meeting all their cultivation, farm maintenance, consumption and investment needs

Why does the role exist?

• To drive the business budgets with compliance to the bank laid down policies, processes. 

What is its contribution towards the organization?

• This role contributes in driving a business from the line team, Attrition control, P&L Profitability, Guiding the team till ground level. 

What is the size of the operation the position manages and supports?   

• Specific/ Mapped geographies of the India

Job Description:-

• Handling entire Farmer Funding Loan Sales and devising and implementing strategies for business improvement.       
• Achievement of monthly Disbursement and Book targets of mapped geography                                                  
• To create new business relationships and manage existing internal and external tie-ups to push Farmer Funding Loan business
• Prevention of Fraud Occurrence, and effectively complying with audit and compliance queries.
• Conduct regular business reviews to ensure Sales numbers are on track and marketing activities/Expenses are within budget
• Create monthly and quarterly plans with respect to budget provided and devise ways to achieve the same   
• To control the attrition at different levels of on-roll staff and off-roll staff, and oversee necessary recruitment with the cooperation of ZSMs and HR
• Prepare manpower requirement plan at the beginning of the year while covering all the assigned areas to maximize business from different areas
• To devise regional strategies to ensure team achieve benchmark productivity for both On-Roll and Off-Roll staff on business numbers

Key Result Areas :- 

• Budget Achievement - By achieving the disbursement and book budget of the assigned territory                                                                                                                                             
• Recruitment - by achieving the required quality levels of recruitment numbers in stipulated time and ensure minimal attrition
• Channel business - To increase the proportion of business that is being sourced through alternate internal/external channels
• Process and Compliance – To achieve the highest level of operational and compliance superiority along with top line numbers.
• Attrition Control - To minimize the level of attrition at all levels of employees in the assigned team
• P & L Profitability

Optimal qualification for success on the job is:

• MBA/Post graduate with relevant experience
• Experience of 10+ Years in Financial Services and Agri Business Industry

For successful execution of the job, a candidate should possess the following:

• Knowledge 

Knowledge of Agriculture ecosystem, Core Farmer Funding Functions, Products and Processes

Strong hold of regulatory guidelines and industry practices 

Knowledge of Technology advancements in the industry  etc

• Skills 

Excellent communication (both verbal & written)

Inter-personal skills

Leadership and Team Management skills 

Negotiation skills

• Abilities 

       Ability to work effectively across functions and demonstrated ability to coach and mentor others

       Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

       Ability to prioritize and make decisions in a fast-paced environment

       Ability to work as a part of team and contribute towards team goals

       Ability to manage multiple tasks/projects and deadlines simultaneously