Key Responsibilities:

• Generate new AGRI and SME loan leads through field activities and referrals.

• Work on leads provided by the Bank and convert them into business opportunities.

• Handle review and renewal of existing AGRI and SME loan accounts.

• Meet customers regularly and build strong relationships.

• Interview loan applicants to assess financial eligibility and feasibility.

• Communicate with clients to collect or provide necessary information.

• Maintain updated knowledge of various loan products and financial services.

• Maintain and update records of customer visits, sales activities, and documentation.

• Assess customer needs and recommend suitable loan products.

• Develop referral networks and explore alternate sourcing channels.

• Cross-sell banking products and services to achieve business targets.

• Ensure high customer satisfaction by building trust-based relationships.

• Operate in compliance with applicable laws, regulations, and internal lending guidelines.

• Support branches in credit deployment activities including doorstep services, documentation, and customer query resolution.

• Coordinate with Team Leaders, Managers, Branches, and relevant banking departments as required.

• Perform outbound field work and travel within assigned areas.

Required Skills

• Familiarity with computers and banking software/applications.

• Strong understanding of direct and indirect lending products and practices.

• Knowledge of AGRI and SME segments, including local crops and crop cycles (for AGRI portfolio).

• Understanding of KYC norms and banking documentation processes.

• Experience in NBFCs, Rural Banks, SHGs, BC models, or Finance Companies preferred.

• Strong verbal and written communication skills in the local language.

• Good interpersonal, negotiation, and relationship management skills.

• Ability to work independently and achieve targets.