Rajesh Kharche

Background

About Rajesh Kharche

Passionatley driving Agri credit and underwriting with continuous improvement on all fronts of agriculture and rural advances. An expert well versed with all facets of Agri lending with 360 degree view of it. Credit experience encompasses financing of SHG, JLG, Microfinance (MFI), Retail farmer finance, KCC, Farm equipments, Tractors, Corporate Agri, Agri Commodity, Hi-tech Agri, Horticulture, Floriculture, FPOs, Agri-MSME, Gold loans, Financial inclusion, Agri value chain finance, Dairy, Poultry, Nursery, etc, with special focus on Rural Banking. Responsible for underwriting, sanction, operations and monitoring of all types of retail loans which includes, Home loans, Non Home loans, LAP, LRD, Auto loans, Commercial Vehicle loans, Construction equipment loans, Personal Loans, Education loans, Credit cards etc Overall work expanse includes Agri sales, credit, strategy, risk, operations, monitoring, product and policy management. Experience drive though from field to senior level across major geographies in country in rural and agri banking at Public and Pvt sector banks. Team builder, Managing team of Area, Regional, Zonal credit managers and Zonal Credit heads. Master Trainer and Mentor on all aspects of Agri & Rural Banking. Facilitating tasks on technology integration for various processes for improvement on ease in sourcing, underwriting, monitoring and operations. Facilitating zone specific products and policy norms for Agri credit. Written geo specialised high value crop specific manuals on Agri Banking. Representation of organisation at various Central and State government forums including regulators, lead bank and Agri forums. I firmly believe that Agri finance is backbone of agriculture sector and need continuous development for supporting various sub sector evolving within by financing. Authored Bankers' Handbook on Kisan Credit Card and Who Moved My Tractor? for the benefit of rural bankers