Karnataka Relationship Manager - Retail Agri

Acquisition, enhancement and retention of customers by providing best possible services and being the dedicated

point of contact for customers of Agri sector.

JobResponsibilities(JR):68AreasActionable(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

/ Processes To keep an update with respect to market

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 centersrural 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.Classification - Internal

Farmer Education and Capacity

Building To conduct village level farmer meetings and

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

Other Stake holders Liaise with Credit to ensure timely decisioning of

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 (BCs) for

new & existing customer relationships Others Any other task assigned by seniors from time to time.

EducationalQualificationsKeySkills

Sales and Influencing Skills

Banking Product & Process Knowledge

Planning and Organizing Skills

Communication

Knowledge of Competition & Current trends in

financial Industry.

ExperienceRequired

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.

MajorStakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)

Customers Credit

Branch Banking Operations

Farmers

Agro Centres/ Rural mandis Rural Markets Kisan Clubs

Business Correspondent

Senior Leaders from Product/Sales

Audit

HR

Classification - Internal