Job DescriptionJob Purpose Acquisition, enhancement and retention of customers by providing best possible services and being the dedicated point of contact for customers of Agri sector for working capital loans / Business loans.Sourcing and Business Generation:Business scoping of geographical market for farming and rural communitySourcing proposals from individual farmers/Co-operative societies/Rural Mandis & Markets/Kissan Clubs/ Farmer Producer Organizations etc for working capital loans.Participation in rural melas/games/functions to look for new business avenues Market Update and Change in Product/Processes:To keep an update with respect to market requirement, competition and customer banking behaviour.To understand the changing dynamics in the market and propose amendments in various product offerings.To be updated on changes in State Government law and policies and accordingly proposing amendment in processes.Relationship Building and Maintenance Relationship Building and MaintenanceTo liaison with new and existing customers for long term relationships for working capital loansTo be in constant touch with agro centres /rural Mandis/rural markets/Kissan clubs for maintaining and deepening existing relationships.Addressing complaints received from customers within stipulated TAT. Delinquency/Rotation Recovery Support, Market informationTo ensure minimal delinquency in portfolio with high level of control.To monitor rotation of accountsTo avoid dropping of limit in customers account, ensure timely submission of documents likeLAD, CAM and othersFarmer Education and Capacity BuildingTo conduct village level farmer meetings and educate farmers on various products offered by bankTo make farmers aware of various aspects of banking and keep them informed about tools and technology for improving farm production.Increased penetration and cross sellSell working capital loans to Clients into Agri commodities, Agriculture related business person and farmers. Cross sell other asset and liability productsPromotion of digital platforms like Net Banking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chill etcTraining and Development of SO/HBLTo 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 dealing.To monitor performance and counselling them for deliveryRelationship with Retail Branches and Other Stake holdersLiaise with Credit team to ensure clearance of proposal of business loans, working capital loans, other asset products. To coordinate with Remedial team for all NPA cases and work towards recovery of the sameTo coordinate with the local government bodies for Documentation and verification purposesTo coordinate with the local Operations team for disbursementLiaise with Branch Banking team for providing best services to customersCompany DescriptionHDFC Bank is one of India’s leading private banks and was among the first to receive approval from the Reserve Bank of India (RBI) to set up a private sector bank in 1994.Today, HDFC Bank has a banking network of 5,314 branches and 13,640 ATMs spread across 2,768 cities and towns.RequirementsEducational Qualifications Graduation (preferably Agri Business)Post-Graduation MBA (preferably Agri Business)Key SkillsSales and Influencing SkillsBanking Product & Process KnowledgePlanning and Organizing SkillsCommunicationKnowledge of Competition & Current trends in financial Industry.Experience RequiredMinimum experience of 1-3 years in a similar role or Sales experience in Seed companies, Fertilizer companies, Agri Product companies, Banks, Non Banking financial institutions etc.Preferred from Banking / Financial Services.RequirementsEducational Qualifications Graduation (preferably Agri Business) Post-Graduation MBA (preferably Agri Business) 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, Non Banking financial institutions etc. Preferred from Banking / Financial Services.
Job Title
Relationship Manager – Retail Agriculture - Banking Sales