Relationship manager Dairy retail agri

Travel Required: candidate should be comfortable in travel for work in assigned location. Education Qualification-: BCom/BSC Agriculture, BBA, MBA Finance, MBA Marketing. Experience-: Candidate should have experience in working capital, Sales, Banking, agriculture finance, enhancement & renewals of old existing customers for maintaining relationships.

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

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