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Posted: 11 months ago
Posted: 11 months ago
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Job Description
- Job Name - PA (Business Unit) : Relationship Manager - 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) :
- 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 / 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 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 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 Correspondent 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.
Skills
AgribusinessRetail AgriKisan Credit CardAgri SmeWorking CapitalSMECreditRelationshipOperationsMaintenanceSales SupportCustomer RelationshipProductionDeliveryIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
About Company
We at HDFC Bank strive to provide you with the best facilities for all your financial needs at your convenience. It is our pleasure to introduce our RD Calculator—a tool for all your answers about an RD.
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