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Supports agriculture lending credit assessment and portfolio quality. Evaluates agricultural income, farm cash flows, land holdings, borrower profiles, repayment capacity, and business viability through financial analysis, customer visits, and personal discussions. Recommends credit proposals within delegated authority, monitors delinquency and NPA trends, reviews delinquent accounts, identifies credit and process risks, and ensures compliance with lending policies, regulations, and internal controls.

Manage and grow the FI and Agriculture lending portfolio through customer relationship management, financial advisory, business development, needs assessment, and solution-based recommendations. Responsibilities include agriculture and commodity finance, branch coordination, customer acquisition, cross-selling, regulatory compliance, credit delivery, portfolio quality monitoring, NPA reduction, pricing optimization, and revenue growth.

Manage daily reconciliation and settlement of channel transactions with network providers (NPCI, VISA, MasterCard, payment aggregators); handle accounting for settlement, pool and suspense accounts; manage card disputes within RBI TAT; ensure compliance and timely escalation of exceptions.

Prepare credit risk vetting reports for corporate, project finance, and real estate proposals. Analyze financial statements, validate internal credit ratings, assess borrower and product risks, and recommend lending decisions. Develop financial models, support credit risk model enhancements, monitor regulatory and lending policy changes, revise loan policies, and calculate periodic RAROC. The role also provides policy inputs to credit and product evaluation committees.

Serve branch customers, handle onboarding and KYC/CKYC accurately, drive new-to-bank acquisition through area mapping, cold calls and BTL activities, cross-sell insurance/investments, activate digital banking, and manage assigned portfolio balances and service requests within TAT while ensuring audit compliance.

Develops, maintains, monitors, and enhances Expected Credit Loss frameworks and estimates under Ind AS 109 and IFRS 9. Responsibilities include developing and monitoring PD, LGD, EAD, and CCF models; conducting portfolio and migration analysis; analyzing defaults, recoveries, collateral, and provisioning; preparing risk reports; applying macroeconomic adjustments; supporting audits, validation, and regulatory reviews; and maintaining model documentation.

Manage sales team, ensure target achievement, oversee dealer empanelment, and handle loan disbursement processes and compliance.

Support digital payment operations through account reconciliation, settlement processing, card and transaction management, dispute and chargeback resolution, exception monitoring, escalation, regulatory compliance, internal controls, and audit support. The role focuses on accurate transaction processing, timely issue resolution, operational risk monitoring, and improving service quality and efficiency.

Independently reviews and validates financial reconciliations, investigates exceptions, performs root cause analysis, resolves aged breaks, and challenges unsupported conclusions. The role monitors reconciliation quality and service levels, approves certifications and reporting, escalates significant control issues, supports audits and regulatory reviews, and improves reconciliation processes through automation and standardization while ensuring compliance with internal controls and segregation-of-duties requirements.

Manage branch customer relationships and servicing, maintain audit-compliant operations, acquire customers through area mapping and cold calls, complete AOF/KYC and CKYC processes, cross-sell insurance and investments, activate digital banking, and manage assigned customer portfolios and service requests within required turnaround times.