Relationship Manager-Retail Agri - Across Chhattisgarh

Job Name : Relationship Manager

Business Unit : Retail Agri

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 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 customer 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 for new & existing customer relationships

Others

Any other task assigned by seniors from time to time.

Educational Qualifications

Graduation (preferably Agri Business)

Post-Graduation MBA (preferably Agri Business)

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.

Hiring Locations - Kurud, Ntpc Korba, Kharsia, Masturi, Bilaspur-Mungeliroad, Kansabel, Rajnandgaon, Khairagarh, BIJAPUR CHHATTISGARH, Bastar, Keskal, Bhanupratppur.

Interested Candidates may share their Resume at -

karishma.evanati@hdfc.bank.in

sutapa.howlick@hdfc.bank.in