Relationship Manager-Agri SME

Job Title

Grade

Department

Location

Sub-Department

Type of Position

Reports To

Role Purpose and Objective

• As RM, he/she will be responsible for achieving business targets and managing a healthy portfolio, by ensuring timely repayments and controlling customer exits for Agri SME business.
• This role seeks to drive business volume through the self-sourcing, branch collaboration or through DSAs.

Size of the Role

• Monthly business volume as per the business target, having average productivity of -50 lacs
• X-Bucket collections as per defined norms
• Insurance cross-sell
• Family SA and Business CA sourcing

• Coordination with Credit Manager for case approval and CAD and Operations for case disbursement.
• Maintains Daily sales report and sharing with supervisor.
• Maintains DSA tracker for pay-out processing

Key Duties and Responsibilities of the Role

Business

• Daily/Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established
• Identification and development of DSA channel, around the defined distance of the Sitting Hub
• Provides regular updates and training to DSA channel; Ensure payout to DSA are on time
• Create Awareness in the market through direct and indirect marketing
• Tracks competition in terms of rates, credit assessment, DSA payouts, marketing activities

Customer

• Identification and Fitment of Customer to USFB policy, through understanding of customer financial statements (PL, B/S) and financial ratio calculation; GST records and Bank statements
• Ensure customers are educated about all products/services offered by USFB.
• Ensure lower customer attrition by providing different products as per customer requirement.
• Focus on lower TAT as per laid down standards.

Internal process

• Ensure delinquency is within norms and does X-Bucket collection.
• Ensure First time right (FTR) logins, Disbursement within TAT (Turn-around time), Collection of OTC, PDD.

Learning Performance

• Ensure that self is up to date on all relevant circulars and all products/services offered in the Branch.
• Ensure adherence to training man-days/ mandatory training programs for self.
• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self

Location - Alwar,Dausa,Sangamner,Jaipur,Kekri,Deoli,Ajmer,Kalan,Sikar,Bharatpur,Kota,Jodhpur,Palin