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 : Jalandhar, Kapurthala, Panchkula, Hoshiarpur, Kala Amb (Himachal Pradesh), Patiala, Mukerian.
Job Function : Sales
Role Type: Individual Contributor Travel required-: candidate should be comfortable in travel for work in assigned location. Education Qualification-: BCom, BBA, BSc agriculture, MBA Finance & Marketing, MSC Agriculture. Experience-: candidate should have experience in working capital, sales, banking, Term loan, agriculture finance, rural banking, overdraft limits, enhancement & renewals of cases of existing & new customers. Note-: Only local candidates with working capital preferred.
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 • To keep an update with respect to market
/ Processes 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 • To conduct village level farmer meetings and
  Building 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 • Liaise with Credit to ensure timely decisioning of
  Other Stake holders 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
  • Graduation (preferably Agri Business)
  • Post-Graduation MBA (preferably Agri
  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 1-3 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