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    Relationship Manager - Punjab, India - HDFC Bank Limited

    HDFC Bank Limited
    HDFC Bank Limited Punjab, India

    4 days ago

    Default job background
    Accounting / Finance
    Description

    JobNamePA(BusinessUnit):RelationshipManagerRetailAgri

    JobTitle: (Job Name) Relationship Manager

    BusinessUnit(PA): Retail Agri

    Team: (Sub team in the PA) : Agri Sales Team

    Reportsto(job): Cluster Head / Circle Head

    Locationofrole: Pan India

    JobFn: Sales

    RoleType: Individual Contributor Noofdirectreportees:NILTravelRequired: Extensive (commute

    to source / service his portfolio) JobBandRange: E1 – E4

    JobPurpose

    Acquisition, enhancement and retention of customers by providing best possible services and being the dedicated point of contact for customers of Agri sector.

    JobResponsibilities(JR):6–8AreasActionable(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.
    • EducationalQualificationsKeySkills
    • • 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.
    • ExperienceRequired
    • 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.
    • Only local candidates preferred with proficiency of local language.


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