Senior Executive – Recovery (Farmer Finance)

• 3 to 5 years
• The applicants should have experience in the following business area(s): Agro based firms (incl. Agro Processing/Seed/GM), Agro based Startup, Financial Technology (Fintech) Startup, Micro-Credit, Banks, Investment/Merchant Banking

• Bachelor of Business Administration (BBA)

• 3 to 5 years
• The applicants should have experience in the following business area(s): Agro based firms (incl. Agro Processing/Seed/GM), Agro based Startup, Financial Technology (Fintech) Startup, Micro-Credit, Banks, Investment/Merchant Banking

• Age 20 to 30 years

Candidates with experience managing geographically distributed field operations and recovery portfolios will be preferred.

1. Pre-Financing Verification & Risk Assessment

• Conduct independent field verification of farmers to assess identity, farming activities, financial condition, and repayment capacity.

• Review credit history, repayment behavior, financing requirements, and potential risk factors before financing approval.

• Verify submitted information and identify high-risk or potentially fraudulent applicants.

2. Portfolio Monitoring & Risk Identification

• Monitor assigned farmer portfolios throughout the financing cycle to identify potential repayment risks.

• Conduct regular field visits to verify farming activities, financing utilization, and repayment readiness.

• Identify early warning signs, including crop losses, financial difficulties, and irregular repayment behavior.

3. Recovery & Overdue Management

• Ensure timely follow-ups with farmers before and after financing maturity to facilitate on-time recovery.

• Manage overdue accounts through structured follow-ups, field visits, and effective recovery strategies.

• Identify reasons for repayment delays, negotiate realistic repayment commitments, and minimize potential bad debts.

• Develop recovery action plans for critical and long-overdue cases.

4. Fraud Detection & Risk Control

• Identify and investigate suspicious activities, including fake farmers, fund diversion, unauthorized collection, and misuse of financing.

• Verify recovery records and investigate discrepancies involving field-level collection and deposit activities.

• Escalate suspected fraud, operational irregularities, and potential financial losses to the Recovery Manager.

5. Reporting & Documentation

• Maintain updated records of farmer verification, repayment commitments, overdue accounts, and recovery progress.

• Monitor recovery performance, overdue aging, and zone-wise portfolio status through approved tracking systems.

• Prepare periodic reports highlighting recovery performance, high-risk accounts, and critical issues.

6. Cross-Functional Coordination

• Coordinate with Farmer Finance Operations, Finance Control, and field teams to strengthen portfolio monitoring and recovery.

• Share field verification findings, repayment updates, and critical case information with relevant stakeholders.

• Escalate critical overdue and potential bad-debt cases through the Recovery Manager for timely intervention.

• T/A,Mobile bill,Medical allowance,Insurance
• Festival Bonus: 2

• Competitive salary package

• TA/DA for Field Visits

• Annual salary review

• Friendly, collaborative, and inclusive work environment

• Indoor & outdoor sports and recreational activities

• Opportunity to work with dynamic and cross-functional teams

• Culture that encourages learning, growth, and innovation