Job Title Cluster Head - Retail Agri Business Unit Retail Agri Reporting To Circle Head / Regional Head / Zonal Head Job Function and Role Type Sales, Supervisory, Extensive travel required Version No 2.0 Job Purpose Ensure business development of Retail Agri for the assigned cluster to achieve targets and profitability. Lead a result-oriented team to meet sales, recovery, and customer relationship objectives while ensuring compliance with banking regulations. Key Responsibilities Business Development Achieve business targets across parameters like portfolio quality and cross-sell. Provide strategies and guidance to meet objectives. Ensure balanced growth and NPA control. Customer Service & Competition Analysis Deliver exceptional customer service. Analyze competition to suggest customized product offerings. Expand business in untapped areas and retain customers. Team Management Analyze MIS and team performance. Recruit, train, and motivate staff to enhance productivity. Promote a performance-driven and collaborative culture. Cross Functional Management Coordinate with credit, operations, and collections teams. Align cross-functional teams with bank policies and objectives. Others Undertake marketing activities and branch visits. Communicate senior management directives effectively. Provide feedback and solutions for customer/business issues. Education: Graduation (preferably Agri Business), MBA (preferably Agri Business). Certifications: None specified. Key Competencies Sales and influencing skills, banking product and process knowledge, planning and organizing skills, communication, leadership/team management. Major Stakeholders Customers, credit, branch banking, operations, farmers, agro centers, rural markets, business correspondents, senior leaders, HR.