Relationship Manager Retail Agri Working Capital

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.

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

Working Capital,Term Loan,Business Banking,overdraft,Client Acquisition,Portfolio Management,Enhancements,Agribusiness,Commodity Finance,Agri Finance,Renewals

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 centersrural 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.