Relationship Manager – Agri-Fin Dealer Funding (Sales)

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.