Relationship Manager- Dairy - Retail Agri - Hdfc Bank

Job Purpose
Acquisition, enhancement and retention of customers by providing best possible services and being the dedicated point of contact for customers of dairy and supply chain 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 Dairy Socities/individual farmers/Co-operative societies/Rural Mandis & Markets/Kissan Clubs/ Farmer Producer Organizations etc.
• Conducting marketing activities for generating new business
• Guidance to Business correspondent for new business sourcing
• To ensure that productivity benchmarks are achieved

• 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 dairy Societies/Dairy farmers/ agro centers /rural mandis/Rural markets/Kisan clubs for maintaining and deepening existing relationships.
• To be in touch with the business Correspondent supervisors for BC monitoring
• Addressing complaints received from customers within stipulated TAT.

• Delinquency/Rotation &Recovery / Housekeeping/BC Audit
• Work towards minimal delinquency in portfolio.
• Follow-up with customers for recovery.
• To monitor the CAM renewal
• To support legal and remedial team for legal actions
• Closure of audit exceptions, audit alerts etc.
• Visit to the BC location as per set frequency and guidelines issued by central team
• Closure of BC audit compliance and tracking of critical observations.
• To ensure that Housekeeping parameters are under control.
• Farmer Education and Capacity Building

• To conduct farmer meetings for dairy societies and other supply chain companies 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.

• Increased penetration and cross sell
• Cross sell 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 (SO) for optimal sales support.
• To groom supporting staff and enhancing their skills by imparting regular trainings for better customer 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 all NPA cases and work towards recovery of the same
• To coordinate with the local Operations team for disbursement and liability account processing.
• Liaise with RBB team for providing best services to customers

• Others

Any other task assigned by seniors from time to time.
Educational QualificationsKey Skills

• Graduation (preferably Agri Business)
• Post-Graduation MBA (preferablyAgri 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 1-2years in a similar role or Sales experience in Seed companies, Fertilizer companies, Agri Product companies, Banks, dairy Companies, Dairy Society, BC companies , NBFC 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
• Business Correspondent supervisor