RM Retail Agri - Only Female Candidates

**Location - Bihar, Jharkhand, West Bengal and North East (Only Female Candidates)

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

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 nnew & 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