Relationship Manager - Farmer Finance

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

Job summary

Idfc First Bank Limited is seeking a Relationship Manager – Farmer Finance in the Agri domain to acquire new NTB clients, deepen existing relationships, and ensure superior service delivery within Retail Liabilities. You will work with product and operations teams to grow the KCC portfolio, manage credit documentation, and drive portfolio hygiene, growth, and profitability across rural banking.

Ideal candidates have 3+ years in rural banking, strong KCC knowledge, and excellent communication to

Qualifications

• Minimum 3 years of rural banking or KCC/credit products experience.
• Strong KCC product knowledge and rural customer understanding.
• Excellent communication and relationship-building skills.

Responsibilities

• Grow liabilities by expanding balances in existing KCC accounts.
• Monitor inflows/outflows to spot opportunities.
• Engage customers via mailers and calls about rates and products.
• Generate new KCC sales leads through referrals and brokers.
• Acquire new KCC customers with strong credit assessment.
• Collaborate with branch teams to optimize bank-wide synergies.

Skills

KCC products knowledge

Credit assessment

Communication skills

Relationship building

Strategic thinking

Team leadership

Compliance discipline

Portfolio management

Customer service

Education

Bachelor's degree

Job description

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.