HDFC Bank is one of India's premier banks providing a wide range of financial products and services to over 43 million customers. Promoted by Housing Development Finance Corporation (HDFC), India's leading housing finance company, HDFC Bank began operations in 1995 with a simple mission: to be a "World-class Indian Bank". With a single-minded focus on product leadership, customer focus and operational excellence, the bank has accomplished this, emerging as a leading player in all its business segments. From a full range of products to the sheer convenience of their delivery, HDFC Bank today has made significant strides in the banking space. It was recognized as India’s Most Valuable Brand for 5 consecutive years in a study conducted by Kantar, a research agency of the WPP group.
Job Role : Relationship Manager – Retail Agri
Keywords & Responsibilities
Sourcing and Business Generation
Business scoping of geographical market for farming and rural community
Sourcing proposals from individual farmers/Cooperative 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 a breast 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 limiting customers’ account, ensure submission of documents like LAD, CAM, etc.
To support legal and remedial team for legal actions
To work towards keeping Housekeeping parameter sunder 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 Net Banking, Mobile Banking, PayZ app, 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 Stakeholders
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
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.
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HDFC Bank
