Relationship Manager - Retail Agri

Job Name PA (Business Unit) : Relationship Manager Retail Agri
Job Title :(Job Name) Relationship Manager
Business Unit (PA) : Retail Agri
Team : (Sub team in the PA) : Agri Sales Team

Hiring Location-

West Bengal - Contai, Berhampore, Kaliaganj, Howrah, Bagnan, Siliguri, Kandi, Bankura,

Raniganj, Suri, PaschimMidnapor.

Odisha - Bargarh, Baudhgarh, Gunupur, Parlakhemundi, Rajagangapur.

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 • To keep an update with respect to market/ Processes 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 • To conduct village level farmer meetings and
  Building 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 • Liaise with Credit to ensure timely decisioning of
  Other Stake holders 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 nnew & existing customer relationships
  • Others Any other task assigned by seniors from time to time.