Relationship Manager Retail Agri Working Capital

Job Name PA (Business Unit) : Relationship Manager Retail Agri
Job Title :(Job Name) – Relationship Manager
Business Unit (PA) : Retail Agri
Team : (Sub team in the PA) : Agri Sales Team
Reports to (job) : Cluster Head / Circle Head
Location of role : Amritsar, Batala, Gurdaspur
Job Function : Sales
Role Type: Individual Contributor

Travel Required: candidate should be comfortable in travel for work in assigned location. Education Qualification-: BCom/BSC Agriculture, BBA, MBA Finance, MBA Marketing. Experience-: Candidate should have experience in working capital, Sales, Banking, agriculture finance, enhancement & renewals of old existing customers for maintaining relationships.

Job Band Range : E1 – E4
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)
â€
Sourcing and Business Generation
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Business scoping of geographical market for farming
and rural community
â€
Sourcing proposals from individual farmers / Co-
operative societies / Rural Mandis & Markets /
Kissan Clubs / Farmer Producer Organizations etc.
Conducting marketing activities for generating new
business
â€
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Work on productivity benchmarks
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Market Update and Change in Product
/ Processes
To keep an update with respect to market
requirement, competition and customer banking
behavior.
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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.
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.
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Relationship Building and Maintenance
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Addressing complaints received from customers
within stipulated TAT.
Delinquency / Rotation & Recovery /
Housekeeping
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To work towards minimal delinquency in portfolio.
Follow-up with customers for recovery.
To monitor rotation of accounts

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To avoid dropping of limit in customers’ account,
ensure submission of documents like LAD, CAM,
etc.
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To support legal and remedial team for legal
actions
To work towards keeping Housekeeping
parameters under control.
To conduct village level farmer meetings and
educate farmers on various products offered by
bank
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Farmer Education and Capacity
Building
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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.
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Increased penetration and cross sell
Training and Development of SO/HBL
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Cross sell of other assets and liability products
Promotion of digital platforms like NetBanking,
Mobile Banking, PayZapp, Insta Alert, Smart Buy,
Chillr, etc.
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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.
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To monitor performance and counseling them for
delivery
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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
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To liaise with Business Correspondents (BC’s) for
new & existing customer relationships
Any other task assigned by seniors from time to time.
•
Others
Educational Qualifications
Key Skills
Sales and Influencing Skills
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Graduation (preferably Agri Business)
Post-Graduation MBA (preferably Agri
Business)
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Banking Product & Process Knowledge
Planning and Organizing Skills
Communication
Knowledge of Competition & Current trends in
financial Industry.
Experience Required

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Minimum experience of 1-3 years in a similar role or Sales experience in Seed companies, Fertilizer
companies, Agri Product companies, Banks, etc.
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Preferred from Banking / Financial Services.
Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for
discharging duties)
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Customers
Credit
Branch Banking
Operations
Farmers
Agro Centres/ Rural mandis / Rural Markets / Kisan Clubs
Business Correspondent
Senior Leaders from Product/Sales
Audit
HR