registration

HDFC Bank - Retail Policy - Agriculture Finance

JOB DESCRIPTION

Retail Policy - Agri



Agriculture finance is a complex business with typical challenges unlike normal retail lending business. The diverse nature of business requires very strong & deep understanding of geo-specific peculiarities, state specific legislations, non traditional method of valuation of agri land, technical know how, large no of crops and their typical geo-specific economies, type of soil, irrigation facilities, variety of customer profiles, infrastructure both basic and marketing, very different rural mentality of customer which has direct bearing on credit appraisal etc.


This can be had only with long experience, extensive travelling, close interaction with customers and other stake holders of the segment. Since the agriculture is dependent on nature and invisible forces, the element of risk is very high compared to all other funding products. As a part of regulatory requirements the bank needs to provide for 40% PSL of which 18% of adjusted net bank credit has to be under agri segment (Direct +Indirect)


The key responsibilities of this role is :


- Add value to the agri lending business by identifying & minimizing risks involved in the tractor/farm equipment lending transactions.


- Meet the targets under direct/ indirect and weaker sector advances .


- To maintain synergies between product policies and line requirements with an objective to provide fine balance between them



- To devise segment specific & versatile policy to capture low risk business and to diversify portfolio



- To identify and limit the risks in the policy and keep on fine tuning in order to build a healthy portfolio within the regulatory framework as well as internal risk appetite of the bank.


- Knowledge about various kind of crops, pattern, economies, farm equipments, allied activities like dairy, poultry, pisciculture. Good knowledge about the study and analysis of Balance sheets, state specific traditions, legislations, regulatory restrictions is mandatory for this role.

COMPANY PROFILE:

HDFC Bank

Not Mentioned

Similar Jobs

Senior Product Head - Debt Service Management - Rural Inclusive Banking Group Mumbai 5 - 18 Years
Branch Head - Retail Banking Delhi/NCR/Gurgaon/Noida 8 - 18 Years
Branch Manager - Banking Delhi/NCR/Mumbai/Bangalore/Kolkata/Chennai 8 - 15 Years
Branch Head - Retail Banking Hyderabad/Nellore 7 - 16 Years
Cluster Head - Banking/BFSI Jaipur 9 - 16 Years
Branch Head - Business Banking - BFSI Delhi/NCR/Mumbai/Pune/Gujarat/Maharashtra/MP/Jaipur/Ahmedabad/Aurangabad/Gurgaon/Baroda/Surat/Rajast 7 - 15 Years
Branch Head/Manager - Retail Banking Maharashtra/Mahad 4 - 10 Years
Branch Head - Retail Banking Mumbai 5 - 10 Years
Manager - Banking Operations MiddleEast/Dubai 8 - 15 Years
Sales Manager - Transaction Banking MiddleEast/Oman 8 - 12 Years

People who search this job also searched for the following Keywords

Type Contract
Eligibility Not Mentioned
Role Not Mentioned
Industry Not Mentioned
Salary Not Mentioned
Experience 10 - 15 Years
Function Banking / Insurance
Openings Not Mentioned
Deadline 06th Apr 2017
PM Skills Not Mentioned
Top