Karnataka Relationship Manager - Retail Agri (Many Locations)

Classification - Internal
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.• 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.Classification - Internal

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

Classification - Internal
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
Classification - Internal