Key Responsibilities:Product Strategy & Development
Develop and own the national strategy for the Crop Loan product portfolio, including pricing, policy, and product design.
Monitor trends in agri-finance, government subsidies (e.g., KCC schemes), and rural credit demand to innovate and optimize product offerings.
Design tailored products based on agro-climatic zones, crop patterns, and regional farmer needs.
Portfolio Management
Drive growth in loan volumes, manage yields, NPA levels, and overall portfolio quality.
Conduct regular reviews of product performance, customer feedback, and competitor offerings.
Collaborate with credit and collections teams to fine-tune risk parameters and recovery strategies.
Go-to-Market & Sales Enablement
Support field teams (Zonal/Regional Managers, Branch Managers) with product knowledge, sales tools, and campaigns.
Develop training content and conduct capacity-building programs for the sales force.
Design incentive schemes linked to crop loan targets and quality.
Digital & Process Innovation
Collaborate with the digital team to build and refine digital journeys for crop loan application, sanction, and disbursement.
Identify opportunities for digitizing field operations and farmer engagement using technology (e.g., mobile apps, satellite data, APIs with government platforms).
Stakeholder & Regulatory Engagement
Coordinate with internal stakeholders (legal, risk, compliance, IT, marketing) to ensure seamless implementation of product policies.
Represent the bank in meetings with government bodies, NABARD, or regulatory agencies on crop loan-related matters.
Monitor and ensure adherence to RBI and NABARD guidelines.
Key Skills & Competencies:
Strong understanding of rural/agricultural lending models and the Indian agri-ecosystem.
Knowledge of government subsidy schemes (e.g., PMFBY, KCC).
Analytical thinking with strong data-driven decision-making skills.
Proven ability to work across cross-functional teams.
Excellent communication, presentation, and stakeholder management skills.
Qualification & Experience:
MBA in Finance / Agri-Business / Rural Management or equivalent.
8–15 years of experience in product management, rural/agri lending, or retail banking.
Experience working in crop loan or related rural finance products is mandatory.