About Retail Lending:

The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank

About the Role:

The Rural Lending – Wholesale RM is responsible for achieving the disbursement, fee and book budgets assigned to the team and region and for attending service aspects / Deepening of existing relationships at designate branches

Key Responsibilities

· Responsible for sourcing of new Priority sector lending clients (food and agro processors) for working capital (CC /OD) and Term Loan /supply chain financing / commodity financing / vendor bill discounting facilities

· Responsible for the acquisition and relationship management as well as renewal of the existing portfolio of clients in the designated region and for attending the service aspects of existing clients.

· Ensure complete documentation/ disbursement formalities

· Meet the desired productivity levels of the relationship managers and the overall team targets in terms of Disbursement, Fee and Book for the region

· Liaison with Branches and Clusters for sourcing new business.

· Coordinate with internal credit, FCU and Operations team for converting leads into business

Qualifications:

Optimal qualification for success on the job is:

· Graduation/ Post-Graduation from a recognized institute

Role Proficiencies:

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

· Knowledge of credit, industry and product trends

· Knowledge of regulatory guidelines and norms

· Good communication (both verbal and written) skill in both English and the local language

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

· Ability to handle pressure and meet deadlines

· Ability to coach and mentor others