Cluster Manager-Agriculture Banking

• POSITION DESCRIPTION

  JOB TITLE : Cluster Manager-Agriculture Banking

• GRADE : SM
• DEPARTMENT : Agriculture Banking
• LOCATION : BRANCH
• SUB-DEPARTMENT : TYPE OF POSITION : Full-time
• REPORTS TO : Area Manager/Circle Manager-Agriculture Banking
• REPORTING INTO
• Relationship Manager-Agriculture Banking
• Loan Officer-Agriculture Banking

• ROLE PURPOSE & OBJECTIVE

• Drives Agriculture Lending business in their respective Cluster. Is responsible for overall growth and success of the Agriculture Lending business & cross sell TPP & Liability Products
• Build efficient team of Loan Officers in the Cluster assigned
• SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Cost of hiring and placing new Relationship Officers at Branches
• Operational Cost of managing the Conveyance and Claims of Relationship Officers
• Cost of procurement marketing collaterals, sales aids
• Shall be expected to manage a portfolio of Rs.15 Cr. Progressively
• Managing a single product across the branches of operations
• Managing a team size of 5-6 employees progressively
• Managing assets like marketing collaterals, Stationary, Dockets and Systems
• Managing hiring and placement of Relationship Officers in required Branches
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE

• Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required
• Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
• Efficient staffing by timely recruitment & training
• Supports Relationship Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
• Should be ready to travel extensively across the cluster of control for business requirements

• Ensure that customers are aware of the Product and services properly
• Ensure that customers are explained about the Terms & Conditions of Product
• Focus on lower TAT as per laid down standards.

• Monitor health of portfolio
• Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
• Ensure, supervise the correct implementation of the credit procedures including all the respective tools

• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
• Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
• Expected to be updated with all new improvement & innovations happening in the market and competitors
• Should be updated with the latest trends in civic and local laws of the territory of operation
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate in Commerce, Agri or relevant subjects
• An M Sc Agri, MBA or equivalent is an added advantage

Experience(Years and Core Experience Type)

• 3 to 6 years in sales and documentation of loans of which at least 1 years in Agriculture Loans in an NBFC/ Bank. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales

Certifications

• Relevant certifications shall be an added advantage

Functional Skills

• Ability to create teams and drive sales performance. Will be required to take complete ownership of Agriculture Lending at Cluster level.
• Ability to engage with customers, Plan & execute Marketing and Sales promotion for Agriculture Lending
• Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language.
• Adequate Computer knowledge

Behavioral Skills

• Sound Product knowledge
• Should possess Training Skills
• Willingness to travel & relocation as per business requirements and career opportunities
• Managing customer relations
• Performance oriented

Competencies

• Good Computer Knowledge
• Competent to handle MIS systems and Lending Software
• KEY INTERACTIONS

INTERNAL

EXTERNAL

• Product and Marketing Team
• Regional Operations, Credit
• Audit, Vigilance and FCU team
• Area Technical Manager
• Legal Vendors
• External marketing agencies
• Competitor Counterparts
• Assets Requirement Details

i5 configuration

Laptop with

i5 configuration

Laptop with

i7 configuration

MS office

Email EP2 + ATP + Mvision

Email Kiosk + ATP + Mvision + Archival

Email on phone

VPN

MS Team

Mobile

Bio Metric + MDM

• Application Access Requirement Details

Application Name

Access Required

(Yes/No)

Type of Access/ Role

(Read/Write/ Maker/Checker/Authoriser)

Remarks

• (If Any)
• 1
• Finacle Core Banking (CBS)
• Yes
• Read
• 2
• 3
• 4
• 5
• PREPARED BY: Alok Sharma
• DATE: 20-02-2024
• REVIEWED BY: Murali Chari
• DATE: 26-08-2025
• LAST UPDATED BY: TM Team
• DATE: 13-11-2025