Relationship Manager Rural Banking Group Working Capital

Job Name PA (Business Unit) :

Reports to (job) :

Location of role :

Mullanpur Dakha, Ludhiana , Sardulgarh , Doraha , Mansa , Nathana,Sandhaur, Dhuri,Nabha, Cheema,Talwandi Sabo, Patiala, Dhuri, Barnala,Banga,Fatehgarh Sahib,,Bhadoson, Dirba,Bannur,kathgarh, Samana,Nurpur Bedi, Sangrur, Nawanshahar , KheriNaudhSingh

ob Fn

Travel Required:

Education qualification-: BCOm,BBA,MBA Marketing & finance, MSC Agriculture & Horticulture,BSC Agriculture & Horticulture.

Job Purpose

• 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.
• Relationship Building and Maintenance

• To liaison with new and existing customers for relationships.
• To be in touch with agro centers /rural 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 Building

• To conduct village level farmer meetings and 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 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

• Others

Educational QualificationsKey Skills

• Sales and Influencing Skills
• Banking Product & Process Knowledge
• Planning and Organizing Skills
• Communication
• Knowledge of Competition & Current trends in financial Industry

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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

• Customers
• Credit
• Branch Banking
• Operations
• Farmers
• Agro Centres/ Rural mandis / Rural Markets / Kisan Clubs
• Business Correspondent
• Senior Leaders from Product/Sales
• Audit
• HR