Job Description
Product development and enhancement
Business & Revenue
Customer engagement and market activities
Process and portfolio management
- Develop new retail agricultre business products in line with market and customer needs
- Review existing products , processes and refine them to attract higher market share
- Study the agriculture markets and identify new areas an opportunities and cost effective way of delivering the services
- Develop and update product policy and manuals, undertake key trainings and get the products approved for field implementation
- Identify requirement / demand of new product and design product to meet the requirements
- Work with field teams to prepare area/region specific product variants.
Business & Revenue
- Develop and product wise business plan for branches and regions and monitor the penetration and progress
- Prepare business management trackers and portfolio decks
- Refine the products for penetration across different location and geographies
- Analyse Revenue, transactions,and to identify sources of generating revenue to ascertain pofitability
- Work with Agri team to achieve business outcomes. Should also be able to handle business needs as required.
- Study tranfer pricing and creation of rational pricing policy on to increase revenue generation
Customer engagement and market activities
- Design and plan customer engagement activities across regions to understand customer experience and increase out reach of agribusiness
- Launch new product creatives, banners,leaflets and other visibility material in consultaion with marketing team
- Design all product related communications sent internally as well as externally
- Preparing product presentations and review presentation for senior management , board, investors etc.
- Review and update Agribusiness section on Bank's website
Process and portfolio management
- Update and develop documentation for various products
- Work on Loan origination, appraisal processes and monitoring processes.
- Devise a login and tracking mechanism of proposal submitted by RMs. Work for optimising the TAT.
- Discussion with credit risk and formulate product approval matrix
- Track business, disbursement and issues relating to field/business.
- Undertake period business, disbursement and portfolio tracking exercise including irrgegular accounts tracking.
Salary:
INR 4,25,000 - 6,50,000 P.A
Industry:
Banking / Financial Services / Broking
Functional Area:
Other
Role Category:
Other
Role:
Other
Keyskills:
Retail Agriculture business productsretail agri lendingagri banking productsagri loans
Desired Candidate Profile
Education:
UG - B.Sc - Agriculture
PG - Any Postgraduate - Any Specialization
PG - Any Postgraduate - Any Specialization
Candidate must have minimum 4 years of experience in Agribusiness. Should have handled Retail Agri Loans
- A team player and go getter
- Ready to travel to Rural areas
- Should have knowledege MS Office
- Good communication skill
Company Profile
The Ratnakar Bank Limited
http://www.ratnakarbank.in
Bank in transformation.................. Ratnakar Bank, a private sector bank
with a strong Maharashtra footprint, has embarked on an aggressive
transformation plan that envisages a manifold growth of the organisation
in terms of size, geographic reach and business depth. The plan has
been founded on a robust platform of professional governance,
relationships, technology infrastructure and capital. The Bank
is in the process of executing a strategic roadmap that entails
customer, product and credit re-alignment, process centralisation and
technology upgradation. Through this transformation, the Bank
aims to improve and enhance its customer base across Corporate, SME and
Retail segments and retain a high focus on Financial Inclusion.
http://www.ratnakarbank.in
Contact Details
Recruiter Name:anithakakade@ratnakarbank.in
Contact Company:The Ratnakar Bank Limited
Address:
One Indiabulls Centre Tower 2,
6th Floor, 841, Senapati Bapat Marg Lower Parel (w)
MUMBAI,Maharashtra,India
Telephone:0231-6650242
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