Retail Agri Relationship Manager Working Capital

Job Name PA (Business Unit)
Job Title : Relationship Manager- Retail Agri

Team : (Sub team in the PA) : Agri Sales Team

Reports to (job) : Cluster Head / Circle Head

Location of role : Rayya, Sultanpur Lodhi, Guruharsahai, Ferozpur, Fatehgarh Sabrah, Jalandhar, Ludhiana, Amritsar, Hoshiarpur

Job Role : Sales

Role Type: Individual Contributor

Travel Required: Extensive (commute to source / service his portfolio)
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 agri 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 customer's 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 (BC’s) 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.

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