- The Area Business Manager (ABM) will be responsible for driving the Farm Equipment Loan business within the assigned geographical area of Udaipur and its surrounding markets.

- This is a critical leadership role focused on achieving ambitious sales targets, developing strong partnerships with equipment dealers, managing portfolio health, and leading a high-performing team.

- The ideal candidate must possess strong business acumen, excellent relationship management skills, and a proven track record in the rural lending sector.

Business Growth and Strategy:

- Business Development: Actively drive and manage the entire sales cycle for farm equipment financing, ensuring the achievement of monthly, quarterly, and annual business volume and market share (MS%) targets for the assigned geography.

- Dealer Development: Identify, on-board, and foster strong, synergistic relationships with key farm equipment dealers (tractors, tillers, harvesters, etc.

- Act as the primary point of contact for dealer partners, ensuring consistent business flow and market penetration.

- Strategic Planning: Establish and execute effective business strategies to capture market potential, counter competitor moves, and adapt to regional agricultural and financial trends.

- Market Intelligence: Continuously monitor the local market, competition, and customer trends to identify new opportunities and risks.

- Stakeholder Management and Synergy - Synergy Enhancement: Enhance collaboration and seamless workflow between the finance company and the dealer ecosystem.

- Ensure timely disbursement and resolution of dealer-related queries and issues.

- Challenge Resolution: Proactively handle and resolve customer, employee, product, and process-related challenges.

- Serve as the escalation point for complex issues, ensuring high levels of satisfaction.

- Cross-functional Coordination: Liaise effectively with internal teams such as Credit, Operations, Collections, and Product to streamline processes and optimize service delivery.

- Portfolio Management and Asset Quality - Risk Mitigation: Take ownership of the Infant Delinquency (early-stage overdue accounts) for the portfolio as per the Farm Equipment Loan contract tenure.

- Collections Support: Work closely with the collections team during the early delinquency period to ensure timely recovery and minimize losses, thereby maintaining high standards of asset quality.

- Compliance: Ensure all lending and collection activities adhere to company policies, regulatory guidelines, and ethical standards.

- Team Leadership and Productivity Measurement - Team Management: Recruit, train, and manage the sales team operating in the area.

- Foster a culture of high performance, accountability, and ethical selling.

- Coaching and Mentoring: Improve employee productivity month-on-month through regular performance reviews, targeted training, hands-on coaching, and mentoring to develop their sales and relationship management skills.

- Performance Metrics: Define, track, and report on key performance indicators (KPIs) for the sales team and the overall business performance.

- Proven ability to achieve and exceed sales targets in a competitive environment.

- Exceptional relationship management and negotiation skills, particularly with business partners (dealers).

- Deep understanding of the rural economy, agricultural financing products, and the farm equipment sector.