Bharat Banking:Product Manager - Farmer Funding

RL - Rural Lending : Product Manager � Farmer Finance

INTERNAL USAGE:

No. of Vacancies:

As and when required

Reports to:

RL -National Product Manager Head � Farmer Funding

Is a Team leader?

Y

Team Size:

0-3

Grade:

AM-VP

Business:

Farmer Finance

Department:�

Rural Lending

Sub-Department:

Farmer Funding

Location:

 Central Office

About Rural Lending � Farmer Funding

Explain:

The program aims to provide timely credit facilities to Individual FarmersFarmer funding to meeting all their cultivation, farm maintenance, consumption and investment needs

AbouttheRole

Why does the role exist?

n To support Farmer Funding business team by creating right product, process and required enablers including technology and appropriate tools to extend loans to the individual farmers.

What is its contribution towards the organization?

n This role contributes in Product development and designing appropriate processes within RBI regulatory framework for Farmer Funding business and responsible for leading and managing end to end product related initiatives and functions.

What is the size of the operation the position manages and supports?��

n Pan India

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Key Responsibilities

�        Product Designing, Development, and Deployment (depending on KRA assigned to each one)

o   Define Product strategy

o   Gather market intelligence through customer �

o   Ensure CMC and other required approvals

o   Lead/anchor all discussions with Sales, UW, Risk, Ops, BSG, IT, BIU, DBAT to ensure high quality development (incl. conducting UAT)

o   Jointly own development and ongoing maintenance of key product related technology systems and channels together with IT, BSG, DBAT (and any others)

o   Build and drive partnerships for product/ proposition development as well as rollout/ commercialization

�        Process and Policy improvisation and Training (depending on KRA assigned to each one)

o   Define processes and drive improvements required to run the product, discharge process related responsibilities

o   Content development for online training modules/Training manuals/EDMs/SOPs

o   Organize classroom trainings/leadership trainings for various level employees

o   Develop content Axis Competency Profile and ensure 100% Participation & Pass Percentage

�        Audit/ Regulatory compliance (depending on KRA assigned to each one)

o   Vendor Audit

o   Snap Audit

o   IS Audit

o   Thematic Audit

o   Ops Risk

o   IFC FRR

o   Internal Audit

o   EGRC

o   RBI SSM audit etc

�        Other Key Responsibilities (depending on KRA assigned to each one)

o   P&L responsibilities

o   Business presentations and reporting. Sales MIS

o   Developing proposals and SOPs for new projects/proposals/strategic partnerships (BC partners, Cross-selling, New Products, New Projects, New Processes, and more)

o   Develop BRD, AOPM, Coordinate with BSG and IT for developing appropriate software

o   Improving business profitability through appropriate process and cost controls�

Qualifications

Optimal qualification for success on the job is:

�        MBA/Post-Graduate/Graduate depending upon the grade

�        Experience: Depending upon Grade

Role Proficiencies:

For successful execution of the job, a candidate should possess the following:

�        Knowledge

Knowledge of Agriculture ecosystem, Core Farmer Funding Functions, Products and Processes

Strong hold of regulatory guidelines and industry practices

Knowledge of Technology advancements in the industry �etc

�        Skills

Excellent communication (both verbal & written)

Inter-personal skills

Leadership and Team Management skills

Negotiation skills

�        Abilities

������ Ability to work effectively across functions and demonstrated ability to coach and mentor others

������ Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

������ Ability to work as a part of team and contribute towards team goals