RM - Retail Agri _ Hebbal
- Hdfc Bank
- 2 - 7 years
- Karimnagar
- 5 months ago
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Job Description
Job Name PA (Business Unit) : Relationship Manager Retail Agri
Job Title :(Job Name) Relationship Manager
Business Unit (PA) : 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) : 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
/ 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.
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.
Relationship Building and Maintenance
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.
To conduct village level farmer meetings and
educate farmers on various products offered by
bank
Farmer Education and Capacity
Building
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
Training and Development of SO/HBL
Cross sell of other assets and liability products
Promotion of digital platforms like NetBanking,
Mobile Banking, PayZapp, Insta Alert, Smart Buy,
Chillr, etc.
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 (BCs) for
new & existing customer relationships
Any other task assigned by seniors from time to time.
Others
Educational Qualifications
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.
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
Job Classification
Industry: BankingFunctional Area / Department: BFSI, Investments & TradingRole Category: Banking OperationsRole: Relationship ManagerEmployement Type: Full timeContact Details:
Company: Hdfc BankLocation(s): Karimnagar
Keyskills: Agribusiness OD NBFC EEG WC EEG Working Capital &OD against Property Gst OD Agri OD Business Managing Existing Portfolio Working Capital Management
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