RM - Retail Agri

JobTitle:(Job Name) Relationship Manager

BusinessUnit(PA): Retail Agri

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

JobPurpose

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 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 & 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 andBuilding educate farmers on various products offered by bank To make farmers aware of various aspects ofbanking and keep them informed about tools and technology for improving farm production. To educate farmers about debt waivers, cropinsurance & 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 fordelivery 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 casesand 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) fornew & existing customer relationships Others Any other task assigned by seniors from time to time.EducationalQualificationsKeySkills 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.

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