Job Description- RM- Retail Agri- B2B

· Identify and acquire B2B Customer engaged in agriculture sector.

· Build and maintain strong relationships with clients, acting as their primary point of contact.

· Provide advisory support and insights on financial solutions that address clients' specific needs.

· Achieve business targets related to revenue, profitability, and asset quality.

· Cross-sell banking products, including loans, working capital, trade finance, treasury services, and digital solutions.

· Monitor and manage the financial health of the assigned portfolio, ensuring minimal non-performing assets (NPAs).

· Conduct regular reviews of client accounts to identify growth opportunities and mitigate risks.

· Conduct detailed credit assessments of prospective and existing clients, evaluating their financial and operational performance.

· Work with the risk management team to identify and mitigate potential risks in the portfolio.

· Maintain high standards of credit quality by ensuring thorough due diligence and adherence to policies.

· Stay updated on market trends, commodity prices, and developments in the agriculture sector.

· Provide insights and recommendations to clients on managing market volatility and optimizing financial performance.

Experience / Skillset / Certifications Required:

· Educational Qualification Business Administration in Finance, or CA OR a related field (Master’s degree preferred like Mcom, Master in Economics).

· Relevant Job Experience- 2–5 years of relevant experience.

· Key Skill: Excellent understanding & assessment of Balance sheet and P& L

o Localities having similar capabilities in respective locations would be preferred.

o Ability to manage customer of Rs 2 Cr+ credit exposure in SME/Business Banking Group/ Agri Value chain financing, etc.