Job Name – PA (Business Unit) : Relationship Manager –Dairy-Retail Agri
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Job Title :(Job Name) –Relationship Manager- Dairy |
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Business Unit (PA) :Retail Agri |
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Job Purpose Acquisition, enhancement and retention of customers by providing best possible services and being the dedicated point of contact for customers of dairy and supply chain sector. |
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Job Responsibilities(JR) : 6 – 8 Areas |
Actionable (4-6) |
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• Sourcing and Business Generation |
• Business scoping of geographical market for farming and rural community • Sourcing proposals from Dairy Socities/individual farmers/Co-operative societies/Rural Mandis & Markets/Kissan Clubs/ Farmer Producer Organizations etc. • Conducting marketing activities for generating new business • Guidance to Business correspondent for new business sourcing • To ensure that productivity benchmarks are achieved |
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• 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. |
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• Relationship Building and Maintenance |
• To liaison with new and existing customers for relationships. • To be in touch with dairy Societies/Dairy farmers/ agro centers /rural mandis/Rural markets/Kisan clubs for maintaining and deepening existing relationships. • To be in touch with the business Correspondent supervisors for BC monitoring • Addressing complaints received from customers within stipulated TAT. |
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• Delinquency/Rotation &Recovery / Housekeeping/BC Audit |
• Work towards minimal delinquency in portfolio. • Follow-up with customers for recovery. • To monitor the CAM renewal • To support legal and remedial team for legal actions |
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• Closure of audit exceptions, audit alerts etc. • Visit to the BC location as per set frequency and guidelines issued by central team • Closure of BC audit compliance and tracking of critical observations. • To ensure that Housekeeping parameters are under control. |
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• Farmer Education and Capacity Building |
• To conduct farmer meetings for dairy societies and other supply chain companies and 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. |
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• Increased penetration and cross sell |
• Cross sell other assets and liability products • Promotion of digital platforms like NetBanking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chillr, etc. |
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• Training and Development of SO/HBL |
• To utilize the sales resources (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 counseling them for delivery |
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• Relationship with Retail Branches and Other Stake holders |
• Liaise with Credit to ensure timely decisioning of proposals & closure of Housekeeping items. • To coordinate with Remedial team for all NPA cases and work towards recovery of the same • To coordinate with the local Operations team for disbursement and liability account processing. • Liaise with RBB team for providing best services to customers |
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• Others |
Any other task assigned by seniors from time to time. |
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Educational Qualifications |
Key Skills |
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• Graduation (preferably Agri Business) • Post-Graduation MBA (preferablyAgri Business) |
• Sales and Influencing Skills • Banking Product & Process Knowledge • Planning and Organizing Skills • Communication • Knowledge of Competition & Current trends in financial Industry. |
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Experience Required • Minimum experience of 1-2years in a similar role or Sales experience in Seed companies, Fertilizer companies, Agri Product companies, Banks, dairy Companies, Dairy Society, BC companies , NBFC etc. |
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• Preferred from Banking/Financial Services. |
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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 • Business Correspondent supervisor |