Credit Officer, Tractor, Rural Credit

About the role

RC - Credit Officer - Tractor - Rural Credit INTERNAL USAGE: No. of Vacancies: Reports to: Regional Credit Manager Is a Team leader? N Team Size: NA Grade: Business: Corporate Center Department: � Retail Credit Sub - Department: Rural Credit Location: About Rural Credit Rural Lending is a part of Retail Credit and caters to all financial needs of the Rural Clientele including Farming community, Farm Mechanization ie Tractor & Harvestor, Traders & Processors mostly based out of Rural & Semi Urban areas along with the credit needs of the industries dependent on the Agriculture /allied activities and MSME businesses based in rural areas, and Micro Finance, which is Lending to economically active poor Women under Joint Liability Group. About the Role The Credit Manager manages the credit activities and processes of the Rural Credit vertical for the designated location. The Credit Manager is responsible for smooth functioning of the Credit appraisal activities and ensures adherence to the processes designed by the bank Key Responsibilities � Preparation of the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency � Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality. � Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions � Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives � Ensure timely completion of key deliverables, audit queries and adherence to the rural credit policy/ scheme Qualifications Desired � Graduation/ Post- Graduation / Post Graduate in Agri business Management (MBA/ CA preferred) from a recognized institute. Role Proficiencies: � Knowledge of credit, preferably Tractor or Farmer Funding industry and product trends � Knowledge of regulatory guidelines and norms � Good communication (both verbal and written) skill in both English and the local language Refer to the Job Description

What you’ll do

• Prepare credit proposals ensuring quick insight and adherence to sanctioning authority processes
• Maintain high quality of credit appraisal to minimize delinquency and build a quality portfolio
• Gather market intelligence on risk trends and use it for credit decisions
• Coordinate with internal functions to align with organizational objectives
• Ensure timely completion of deliverables, audit queries, and compliance with rural credit policies

What you’ll bring

• Graduation in any discipline
• Post‑Graduation in Agri Business Management
• MBA or CA preferred
• Knowledge of tractor and farmer funding credit products
• Understanding of regulatory guidelines
• Strong written and verbal communication in English and local language

Nice to have

5‑8 years experience in credit appraisal, preferably in rural or tractor financing