Relationship Manager-KCC

IDFC FIRST Bank; Namakkal; On-site; INR 1,400,000 - 2,100,000; Full time

Job summary

IDFC FIRST Bank seeks a Relationship Manager for Kisan Credit Card (KCC) in Rural Banking. You will acquire NTB clients, deepen relationships, and drive portfolio growth while coordinating with product and operations teams to deliver tailored financial solutions.

You will manage lifecycle from onboarding to renewal, uphold portfolio hygiene, and push for cross-sell opportunities with compliant processes. The role requires 3+ years in rural banking and solid credit documentation skills.

Qualifications

• Bachelor’s degree in any discipline.
• Minimum of 3 years of relevant experience in rural banking, KCC/credit products, or relationship management.
• Strong understanding of KCC products and rural customer needs.
• Proficiency in credit assessment and financial documentation.

Responsibilities

• Grow liabilities by increasing balances in existing KCC accounts and capturing a larger share of wallet.
• Monitor account inflows and outflows to identify business opportunities.
• Maintain contact with customers via mailers and calls, sharing insights on rates and products.
• Generate new KCC sales leads through referrals, brokers, and other sources.
• Acquire new KCC customers with strong understanding of credit assessment and documentation.
• Leverage expertise in liabilities, foreign exchange, trade finance, delinquency management, and relationship management to grow volumes.
• Manage the KCC portfolio through renewals, retention, and portfolio hygiene.
• Collaborate with branch banking teams to optimize synergies within the 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.

Skills

KCC products

Rural customer understanding

Credit assessment

Relationship management

Sales & negotiations

Education

Bachelor's degree

Job description

About the Role

The Relationship Manager – Kisan Credit Card (KCC) is a specialized role within the Rural Banking function, focused on delivering tailored financial solutions to KCC 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.