Cluster Head - Retail Agri

Location-Mumbai

Grade - upto AVP

- To lead and manage the Agri Banking business across the assigned cluster/region by driving sales, ensuring portfolio growth, maintaining asset quality, and developing strong customer and stakeholder relationships.

- Responsible for achieving business targets, expanding market presence, and ensuring compliance with bank policies and regulatory guidelines.

Key Deliverables / KPIs:

Business Growth:

- Achieve monthly/quarterly business targets for Agri loans, deposits & fee income.

- Increase cluster market share in Agri finance.

Portfolio Quality:

- Maintain PAR (Portfolio at Risk) & NPA within approved limits.

- Ensure timely renewal and monitoring of accounts.

Team Productivity:

- Ensure 100% manpower availability at branches.

- Drive team performance through training, reviews, and target achievements.

Customer & Stakeholder Engagement:

- Strengthen relationships with farmers, FPOs, agri-MSMEs, and co-operatives.

- Leverage government schemes & subsidy programs for business.

Compliance & Risk:

- 100% adherence to audit norms, credit policy, and regulatory guidelines.

- Zero tolerance for compliance lapses.

Innovation & Digital:

- Drive digital penetration (UPI, KCC cards, mobile banking, etc.) in rural/agri segment.

- Support adoption of new agri-linked financial products.

Requirements:

- Graduate/Post-Graduate in Agriculture, Agri Business, Finance, or related fields (MBA preferred).

- 8 to 10 years of banking experience with strong exposure to Agri / Rural banking with both b2b and b2b experience .

- Proven track record in sales, business development, and portfolio management.

- Strong leadership, analytical, and decision-making skills.

- Knowledge of local Agri markets, government schemes, and agri value chains.