Relationship Manager-Retail Agri

JobPurpose

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):6-8AreasActionable(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 & MarketsKissan 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 centersrural mandis Rural markets Kisan clubs for maintaining and deepening existing relationships.

Addressing complaints received from customers within stipulated TAT.

Delinquency Rotation & RecoveryHousekeeping 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 andBuilding 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 optimalsales 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 ofOther 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 (BCs) for nnew & existing customer relationships Others Any other task assigned by seniors from time to time.