Retail Agri - RM || Haryana (Bahadurgarh, Bhiwani, Jhajjar)

Job Name: Relationship Manager - Retail Agri
Job Title: Relationship Manager
Business Unit (PA): Retail Agri
Team: (Sub team in the PA) : Agri Sales Team
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):
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

Any other task assigned by seniors from time to time.

Educational Qualifications

- Graduation (preferably Agri Business)

- Post-Graduation MBA (preferably Agri Business)

Key Skills

• 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, 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