Relationship Manager - Farmer Finance

Idfc First Bank Limited; Nagaur District; On-site; INR 600,000 - 900,000; Full time

Job summary

Idfc First Bank Limited seeks a Relationship Manager – Farmer Finance to drive acquisition, servicing, and portfolio growth for Agri customers. This role targets NTB clients and deepening existing relationships across KCC products, with emphasis on liability growth and portfolio hygiene.

The ideal candidate has 3+ years in rural banking, strong credit assessment skills, and excellent communication to support growth and high customer satisfaction. Local onboarding and branch collaboration are key.

Qualifications

• Bachelor’s degree is required.
• Minimum of 3 years of relevant rural banking or relationship management experience.
• Strong knowledge of KCC products and rural customer needs.
• Proficient in credit assessment and reviewing financial documents.
• Excellent communication and relationship-building abilities.
• Strategic mindset to drive business growth.

Responsibilities

• Grow liabilities by increasing balances in existing KCC accounts and capture wallet share.
• Monitor inflows/outflows to identify new business opportunities.
• Maintain contact with customers via mailers and calls; share rate/product insights.
• Generate new sales leads for KCC through referrals and brokers.
• Acquire new KCC customers with strong credit documentation.
• Leverage expertise in liabilities, FX, trade finance, and portfolio management to grow volumes.
• Manage KCC portfolio with renewals, retention, and portfolio hygiene.
• Collaborate with branch teams to optimize synergies within the bank.
• Evaluate growth strategies based on competitors and customer feedback.
• Recommend process improvements to enhance service efficiency and quality.
• Demonstrate sales planning, promotions, and marketing initiatives.
• Understand financial statements, credit assessment, and title/security docs.

Skills

KCC products

Rural banking

Credit assessment

Financial documentation

Communication skills

Relationship-building

Problem-solving

Strategic growth

Integrity & compliance

Team leadership

Portfolio management

Education

Bachelor's degree

Job description

Job Requirements

Role/ Job Title: Relationship Manager – Farmer Finance

Function/ Department: Agri

About The Role

The Relationship Manager –Farmer Finance is a specialized role within the Retail Liabilities function, focused on delivering tailored financial solutions to Agri customers. The role involves acquiring new customers, deepening existing relationships, and ensuring exceptional service delivery. The incumbent will work closely with product and operations teams to drive customer acquisition, servicing, and portfolio growth. This role contributes directly to the branch banking channel’s objectives by managing New-to-Bank (NTB) clients and enhancing customer profitability.

Key Responsibilities

Primary Responsibilities

• Increase liabilities by growing balances in accounts of existing KCC customers and capturing a larger share of wallet.
• Monitor account inflows and outflows to proactively identify business opportunities.
• Maintain close contact with customers through mailers and calls, sharing insights on interest rates, exchange rates, and product offerings.
• Generate new sales leads for KCC through referrals, brokers, and other sources.
• Acquire new KCC customers with a strong understanding of credit assessment and financial documentation.
• Leverage expertise in liabilities, foreign exchange, trade finance, delinquency management, and relationship management to grow business volumes.
• Manage the KCC portfolio through continuous monitoring, renewals, retention, and ensuring portfolio hygiene with minimal deferrals and covenant breaches.
• Collaborate with branch banking teams to optimize synergies and work within the broader bank ecosystem.
• Evaluate growth strategies based on competitor analysis and customer feedback.
• Recommend process improvements to enhance service efficiency and quality across the branch network.
• Demonstrate ability in sales planning, promotions, and marketing initiatives.
• Understand financial statements, credit assessment processes, and title/security documentation.

Secondary Responsibilities

• Attract and retain top talent for key roles within the reporting structure.
• Monitor employee productivity, hiring quality, and attrition rates; implement necessary improvements.
• Enable teams to achieve growth targets by providing strategic and operational support.

What We Are Looking For

Education

• Bachelor’s degree in any discipline.

Experience

• Minimum of 3 years of relevant experience in rural banking, KCC/credit products, or relationship management.

Skills and Attributes

• Strong understanding of KCC products and rural customer needs.
• Proficiency in credit assessment and financial documentation.
• Excellent communication, relationship-building, and problem-solving skills.
• Strategic mindset with the ability to drive business growth.
• High level of integrity and compliance orientation.
• Ability to lead teams and manage performance metrics effectively.
• Familiarity with banking operations, portfolio hygiene, and customer service standards.