Relationship Manager Retail Agriculture Banking Sales
Year India, India
Job Description
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Job Information
Industry
Banking
Work Experience
2-4 years
Salary
From 3.5 Lac to 15 Lac Per Annum
City
Multiple Cities in India
State/Province
Maharashtra and Gujarat
Country
India
Zip/Postal Code
411001
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 for working capital loans / Business loans.
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 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 Maintenance
To liaison with new and existing customers for long term relationships for working capital loans- To 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 information
- To ensure minimal delinquency in portfolio with high level of control.
- To monitor rotation of accounts
- To avoid dropping of limit in customers account, ensure timely submission of documents likeLAD, CAM and others
Farmer Education and Capacity Building
To conduct village level farmer meetings 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.
Increased penetration and cross sell
Sell working capital loans to Clients into Agri commodities, Agriculture related business person and farmers.- Cross sell other asset and liability products
- Promotion of digital platforms like Net Banking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chill 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 dealing.
- To monitor performance and counselling them for delivery
Relationship with Retail Branches and Other Stake holders
Liaise 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 same
- To coordinate with the local government bodies for Documentation and verification purposes
- To coordinate with the local Operations team for disbursement
- Liaise with Branch Banking team for providing best services to customers
Company Description
HDFC Bank is one of India\xe2\x80\x99s 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.
Requirements
Educational 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.
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Job Detail
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Job IdJD3047041
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IndustryNot mentioned
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Total Positions1
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Job Type:Full Time
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Salary:Not mentioned
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Employment StatusPermanent
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Job LocationIndia, India
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EducationNot mentioned
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ExperienceYear