HDFC Bank - Relationship Manager - Sales - Rural Banking Group Working Capital (1-11 Yrs) Panipat/Haryana/Karnal (BFSI Sales)

Job Name - PA (Business Unit) : Relationship Manager - Retail AgriJob Title :(Job Name) - Relationship ManagerBusiness Unit (PA) : Retail AgriTeam : (Sub team in the PA) : Agri Sales TeamReports to (job) : Cluster Head / Circle HeadLocation of role : Karnal, Panipat, Kurukshetra Job Function : SalesRole Type: Individual ContributorNo of direct reportees : NILTravel Required: Extensive (commute to source / service his portfolio)Job Band Range : E1 - E4Job PurposeAcquisition, 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 AreasActionable (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 / 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.- 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 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.- 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 Other Stake holders- Liaise with Credit to ensure timely decisioning of 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- OthersAny other task assigned by seniors from time to time.Educational QualificationsKey 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 (ref:updazz.com)

Payroll Type : Permanent