Job title: Relationship Manager – Retail Agriculture – Banking Sales
Company: Mintskill HR Solutions
Job description: Job PurposeAcquisition, 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
RequirementsEducational 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.
Expected salary: Rs.900000 per year
Location: Bhiwani, Haryana – Pithoragarh, Uttarakhand
Job date: Tue, 08 Jul 2025 22:18:31 GMT
Apply for the job now!