Relationship Manager Retail Agri

Role & Responsibilities

Sourcing and Business Generation

• Identify and scope business opportunities in the geographical market for farming and rural communities.
• Source proposals from individual farmers, co-operative societies, rural mandis, Kissan clubs, and farmer producer organizations.
• Conduct marketing activities to generate new business.
• Work on productivity benchmarks for portfolio growth.

Market Updates and Product Awareness

• Stay updated on market trends, process requirements, competition, and customer banking behavior.
• Understand changing market dynamics and propose amendments in product offerings.
• Keep abreast of state government laws and policies relevant to the Agri sector.

Relationship Building and Maintenance

• Liaise with new and existing customers to strengthen relationships.
• Engage with agro centers, rural mandis, Kisan clubs, and rural markets to deepen relationships.
• Address customer complaints within the stipulated TAT.

Delinquency Management, Rotation & Recovery, Housekeeping

• Work to minimize delinquency in the portfolio.
• Follow up with customers for recovery and monitor account rotations.
• Ensure timely submission of required documents (LAD, CAM, etc.) and support legal/remedial teams when necessary.
• Maintain housekeeping parameters under control.

Farmer Education and Capacity Building

• Conduct village-level meetings to educate farmers on banking products, crop insurance, debt waivers, government subsidies, and digital tools for improved farm productivity.

Increased Penetration and Cross-Sell

• Cross-sell other banking assets and liability products.
• Promote digital platforms such as NetBanking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chillr, etc.

Training and Development of Supporting Staff

• Utilize sales resources (HBL/SO) effectively to support sales operations.
• Groom supporting staff through regular training and performance counseling.