HDFC Bank Limited Looking For Relationship Manager at Punjab, Full Time

Job description

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

Reports to (job) : Cluster Head / Circle Head

Location of role : Pan India

Job Fn : Sales

Role Type: Individual Contributor No of direct reportees : NIL Travel Required: Extensive (commute

to source / service his portfolio) Job Band Range : E1 E4

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 (BC’s) for
• new & existing customer relationships
• • Others Any other task assigned by seniors from time to time.
• Educational Qualifications Key Skills
• • Graduation (preferably Agri Business)
• • Post-Graduation MBA (preferably Agri
• Business) • 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
• Only local candidates preferred

Industry Type Banking

Department BFSI, Investments & Trading

Employment Type

Role Category BFSI, Investments & Trading – Other

Education

UG : Any Graduate

PG : Any Postgraduate

Doctorate :

Key Skills

• Rural Finance, Sales , Agribusiness, Agriculture Marketing, Loan Sales