RM Retail Agri, Bangalore

Job Responsibilities (JR) : 6 – 8 Areas  

Actionable (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 

• 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. 

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.