Job
Description
Business Unit (PA) : Retail Agri Team : (Sub team in the PA) : Agri Sales Team Reports to (job) : Cluster Head Circle Head Location of role : Jalandhar, Kapurthala, Panchkula, Hoshiarpur, Kala Amb (Himachal Pradesh), Patiala, Mukerian. Job Function : Sales Role Type: Individual Contributor Travel required-: candidate should be comfortable in travel for work in assigned location. Education Qualification-: BCom, BBA, BSc agriculture, MBA Finance & Marketing, MSC Agriculture. Experience-: candidate should have experience in working capital, sales, banking, Term loan, agriculture finance, rural banking, overdraft limits, enhancement & renewals of cases of existing & new customers. Note-: Only local candidates with working capital preferred. 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 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 legalactions To work towards keeping Housekeepingparameters 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 fordisbursement 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. Educational Qualifications / Key Skills - 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 . Experience Required Minimum experience of 1-3 years in a similar role or Sales experience in Seed companies, Fertilizercompanies, 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.
