Relationship Manager RBB

Job Name : Relationship Manager

Reports to (job) : Cluster Head Circle Head

Location of role : North India

Job Function : Sales

Role Type: Individual Contributor

Travel Required: Extensive (commute

to source service his portfolio)

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) :

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.

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.

Relationship Building and Maintenance

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.

To conduct village level farmer meetings and educate farmers on various products offered by bank

Farmer Education and Capacity

Building

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

Training and Development of SO/HBL

Cross sell of other assets and liability products Promotion of digital platforms like NetBanking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chillr, etc.

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

Any other task assigned by seniors from time to time.

Others

Educational Qualifications

Key Skills

Sales and Influencing Skills

Graduation (preferably Agri Business)

Post-Graduation MBA (preferably Agri

Business)

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. Major Stakeholders (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