State Lead – Lending | Location: Bhadrak (Orissa)

About the Company:

A Hyderabad-based AgriTech company focused on building a digital platform that empowers all stakeholders in the agricultural value chain – particularly smallholder farmers – with access to structured financial products and agricultural markets.

Their digital solutions are designed to help Farmer Producer Organizations (FPOs) connect with farmers and deliver services seamlessly. By leveraging technology and data analytics, the platform provides FPOs with precise insights to make informed decisions. These include facilitating access to input and output markets, offering advisory support, and delivering tailored lending solutions.

Reports to: Operations Lead

Key Accountabilities and Deliverables:

1. Responsible for managing existing lending operations (sales and Business Development) and expansion of same in new localities in Bhadrak, Orissa.
2. Take complete ownership of the sales process, forecast sales for specific periods and generate the targeted numbers.
3. Responsible for loan origination, disbursement, and collections.
4. Lead a team of Krishak Sathis (Field staff)and Business Development Associates in sourcing farmer loans.
5. Recruitment, Training and Mentoring of Krishak Sathis (Field staff).
6. To achieve monthly, quarterly & yearly business targets as per plan.
7. Coordinate with Credit/ Operations/ Collection team for disbursal of sanctioned loans and management of recovery.
8. Responsible for managing portfolio quality with zero delinquency and efficient collection practices.
9. Good salesperson, able to build relationship.
10. Adherence to Audit/ Compliance as per company Standards.

Competencies/ Skills Required:

1. Willingness to work in a start-up environment.
2. Candidate with Sales and collections (NBFC, Bank or MFI) background in BSFI/ Education domain will be given preference.
3. Proven end to end sales skills – prospecting, pipeline management, closing and negotiation.
4. Must be competent to learn and adapt to changing technical environment.
5. Proven ability to meet targets.
6. Detail and process oriented.
7. Self-starter and self-motivated.
8. Excellent communication and relationship development skills.
9. Should open to frequent travel within the state.
10. Excellent in MS Office products especially Excel and PowerPoint.
11. Excellent interpersonal, verbal, and written communication skills.
12. Ability to multi-task.

Educational Qualifications:

1. Graduation
2. Post Grad/ Management degree

Experience:

1. Should have 5-8 years of sales experience (Managerial role) in microfinance, agri loans and un-secured loans in NBFC, MFI or Banks.
2. Should have worked on ground to recover overdue accounts.