Job Description

:RL - Rural Lending : Regional Portfolio Manager \xef\xbf\xbd Farmer FundingINTERNAL USAGE:No. of Vacancies:As and when requiredReports to:Is a Team leader?YTeam Size:Grade:M-VPBusiness:Farmer FinanceDepartment:\xef\xbf\xbdRural LendingSub-Department:Farmer FundingLocation:Pan IndiaAbout Bharat BankingThe increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or \xef\xbf\xbdBharat\xef\xbf\xbd markets.To better capitalize on the growth runway and \xef\xbf\xbdopen the world of possibilities\xef\xbf\xbd for the Bharat customer, the bank has set up a separate \xef\xbf\xbdBharat Bank\xef\xbf\xbd vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches.The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer.The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoringFarmer funding team aims to provide timely credit facilities to farmers, meeting all their cultivation, farm maintenance, consumption and investment needs by offering various loan products like KCC (Kisan Credit Card), Kisan Samarth (ODSAM) and ODCON.About the RoleThe Regional Portfolio Manager (RPM) is responsible for maintaining the portfolio health and ensuring that the irregularities are at its minimal for his Region & drive business from his mapped Portfolio RM\xef\xbf\xbds, sets the vision for the Region and develops and adheres to a plan to attain this vision. The RPM coordinates with the Zonal, Regional & Area managers & Support Teams viz. Credit, Collection, Operations, Product to ensure that they are able to respond proactively to the portfolio & business issues and challenges by providing them with the required inputs and support.Key Responsibilities\xef\xbf\xbd Deepen the existing relationships by driving Enhancement and cross selling of the Bank\'s Liability products & Services and third party products.\xef\xbf\xbd Minimize the customer attrition by effective implementation of Customer retention policy and ongoing customer engagement.\xef\xbf\xbd Ensure Customer delight whilst ensuring that the Bank\xef\xbf\xbds delivery standards in achieving total customer satisfaction are met.\xef\xbf\xbd Maintain the portfolio health through timely Renewals, increased churning & utilization limit along with nullification of PDD (Post Disb Document) pendency.\xef\xbf\xbd Drive the Resource Productivity in Business through Disb (B2C & Gold) and also portfolio parameters.\xef\xbf\xbd Ensure regularization of the accounts wherein there are \xef\xbf\xbdNo Credits\xef\xbf\xbd, \xef\xbf\xbdInterest not Serviced\xef\xbf\xbd and \xef\xbf\xbdAccounts overdrawn\xef\xbf\xbd and FPD (First Payment Due) recovery.\xef\xbf\xbd Conduct regular and detailed Portfolio & business reviews with Zonal and Regional Heads to ensure that corporate strategies are percolated down to the ground level sales force\xef\xbf\xbd Ensure training, development and management of Field team.\xef\xbf\xbd Manage relations with branch and Circle network in the location\xef\xbf\xbd Actively pursue and close new business opportunities, working closely with Sales Management and Inside Sales Representative to ensure geography-based objectives are being met.\xef\xbf\xbd Evaluate market trends and gather competitive information, identify trends that effect current and future growth of regional business and portfolio management .\xef\xbf\xbd Effectively engage Operations, Credit, Collections & FCU teams to understand and contribute to overall processes and profitability across locations.\xef\xbf\xbd Maintain good working environment and high motivation level at across locationQualificationsOptimal qualification for success on the job is:\xef\xbf\xbd Graduation/ Post Graduation from a recognized instituteRole Proficiencies:For successful execution of the job, a candidate should possess the following:

• Knowledge of industry, technology, marketing, and product trends
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language
• Ability to manage complex client situations
• Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

Skills:Refer to the About Company:Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The Bank has a large footprint of 4,594 domestic branches (including extension counters) with 11,333 ATMs & 5,710 cash recyclers spread across the country as on 31st March, 2021. The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021.The Overseas operations of the Bank are spread over eight international offices with branches at Singapore, Dubai (at DIFC) and Gift City-IBU; representative offices at Dhaka, Dubai, Abu Dhabi, Sharjah and an Overseas subsidiary at London, UK. The international offices focus on Corporate Lending, Trade Finance, Syndication, Investment Banking and Liability Businesses

Axis Bank