Job Purpose
Acquisition, enhancement and retention of customers by providing best possible services and being the dedicated point of contact for customers of dairy and supply chain sector.
Job Responsibilities(JR) : 6 â 8 Areas Actionable (4-6)
- Sourcing and Business Generation
- Business scoping of geographical market for farming and rural community
- Sourcing proposals from Dairy Socities/individual farmers/Co-operative societies/Rural Mandis & Markets/Kissan Clubs/ Farmer Producer Organizations etc.
- Conducting marketing activities for generating new business
- Guidance to Business correspondent for new business sourcing
- To ensure that productivity benchmarks are achieved
- 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 dairy Societies/Dairy farmers/ agro centers /rural mandis/Rural markets/Kisan clubs for maintaining and deepening existing relationships.
- To be in touch with the business Correspondent supervisors for BC monitoring
- Addressing complaints received from customers within stipulated TAT.
- Delinquency/Rotation &Recovery / Housekeeping/BC Audit
- Work towards minimal delinquency in portfolio.
- Follow-up with customers for recovery.
- To monitor the CAM renewal
- To support legal and remedial team for legal actions
- Closure of audit exceptions, audit alerts etc.
- Visit to the BC location as per set frequency and guidelines issued by central team
- Closure of BC audit compliance and tracking of critical observations.
- To ensure that Housekeeping parameters are under control.
- Farmer Education and Capacity Building
- To conduct farmer meetings for dairy societies and other supply chain companies 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.
- Increased penetration and cross sell
- Cross sell 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 (SO) for optimal sales support.
- To groom supporting staff and enhancing their skills by imparting regular trainings for better customer 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 all NPA cases and work towards recovery of the same
- To coordinate with the local Operations team for disbursement and liability account processing.
- Liaise with RBB team for providing best services to customers
Any other task assigned by seniors from time to time.
Educational QualificationsKey Skills
- Graduation (preferably Agri Business)
- Post-Graduation MBA (preferablyAgri 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 1-2years in a similar role or Sales experience in Seed companies, Fertilizer companies, Agri Product companies, Banks, dairy Companies, Dairy Society, BC companies , NBFC 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
- Business Correspondent supervisor
Employment Type: Full Time, Permanent
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