Relationship Manager

Job Name PA (Business Unit) : Relationship Manager Retail Agri

Job Title :(Job Name) Relationship Manager

Business Unit (PA) : Retail Agri

Team : (Sub team in the PA) : Agri Sales Team

Reports to (job) : Cluster Head / Circle Head

Location of role : Pan India

Job Fn : Sales

Role Type: Individual Contributor No of direct reportees : NIL Travel Required: Extensive (commute

to source / service his portfolio) Job Band Range: E1 – E4

Job Purpose

Acquisition, enhancement and retention of customers by providing best possible services and being the dedicated point of contact for customers of Agri sector.

Job Responsibilities (JR) : 6 – 8 Areas Actionable (4-6)

• Sourcing and Business Generation • Business scoping of geographical market for farming

and rural community

• Sourcing proposals from individual farmers / Co-

operative societies / Rural Mandis & Markets /

Kissan Clubs / Farmer Producer Organizations etc.

• Conducting marketing activities for generating new

business

• Work on productivity benchmarks

• Market Update and Change in Product • To keep an update with respect to market

/ Processes requirement, competition and customer banking

behavior.

• To understand the changing dynamics in the market

and propose amendments in various product

offerings.

• To keep abreast of changes in State Government

laws and policies.

• Relationship Building and Maintenance • To liaison with new and existing customers for

relationships.

• To be in touch with agro centers /rural mandis /

Rural markets / Kisan clubs for maintaining and

deepening existing relationships.

• Addressing complaints received from customers

within stipulated TAT.

• Delinquency / Rotation & Recovery /

Housekeeping • To work towards minimal delinquency in portfolio.

• Follow-up with customers for recovery.

• To monitor rotation of accounts

To avoid dropping of limit in customers’ account, ensure submission of documents like LAD, CAM, etc.

• To support legal and remedial team for legal actions

• To work towards keeping housekeeping parameters under control.

• Farmer Education and Capacity • To conduct village level farmer meetings and Building educate farmers on various products offered by bank

• To make farmers aware of various aspects of banking and keep them informed about tools and technology for improving farm production.

• To educate farmers about debt waivers, crop insurance & government subsidies.

• Increased penetration and cross sell • Cross sell of other assets and liability products

• Promotion of digital platforms like NetBanking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chillr, etc.

• Training and Development of SO/HBL • To utilize the sales resources (HBL/SO) for optimal sales support.

• To groom supporting staff and enhancing their skills by imparting regular trainings for better customer relationship dealing.

• To monitor performance and counseling them for delivery

• Relationship with Retail Branches and • Liaise with Credit to ensure timely decisioning of Other Stake holders proposals & closure of Housekeeping items.

• To coordinate with Remedial team for NPA cases and work towards recovery of the same

• To coordinate with the local Operations team for disbursement

• Liaise with RBB team for activation of branches for KGC business & for providing best services to customers

• To liaise with Business Correspondents (BC’s) for new & existing customer relationships

• Others Any other task assigned by seniors from time to time.

Educational Qualifications Key Skills

• Graduation (preferably Agri Business)

• Post-Graduation MBA (preferably Agri Business) • Sales and Influencing Skills

• Banking Product & Process Knowledge

• Planning and Organizing Skills

• Communication

• Knowledge of Competition & Current trends in financial Industry.

Experience Required

Minimum experience of 1-3 years in a similar role or Sales experience in Seed companies, Fertilizer companies, Agri Product companies, Banks, etc. • Preferred from Banking / Financial Services.

Only local candidates preferred with proficiency of local language.