Relationship Manager-KCC

IDFC FIRST Bank; Pipariya; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

IDFC FIRST Bank in Madhya Pradesh is hiring for Relationship Manager-Kisan Credit Card in Rural Banking. You will manage NTB clients, deepen relationships, and coordinate with product and operations teams to deliver best-in-class service.

The role emphasizes portfolio growth, risk assessment, and cross-functional collaboration within the branch network. Ideal candidates have 4+ years in related roles, a relevant bachelor’s degree, and strong sales and credit assessment capabilities to drive

Qualifications

• Bachelor’s degree in engineering, technology, commerce, arts, science or management.
• 4+ years of relevant experience in Rural Banking/Relationship management.
• Strong understanding of KCC product and credit assessment.
• Excellent communication and client relationship skills.

Responsibilities

• Increase liabilities by growing balances among existing KCC customers.
• Review inflows/outflows and identify business opportunities.
• Engage customers via mailers/phone and share rate insights.
• Generate new sales leads for KCC via referrals.
• Acquire new KCC customers with credit assessment.
• Leverage knowledge of liabilities, FX, trade and client relationships to grow business.
• Monitor portfolio and maintain hygiene with renewal and deferrals.
• Collaborate with Branch banking for cross-leveraging and synergy.
• Evaluate growth strategy using feedback from channels/customers.
• Suggest process changes to improve service efficiency across the branch network.
• Plan sales and promotions; support marketing initiatives.
• Understand financial statements and credit assessment.

Skills

Relationship management

Sales & business development

Credit assessment

Analytical mindset

Education

Bachelor’s degree

Job description

Job Requirements

Role/Job Title: Relationship Manager-Kisan Credit Card

Function/Department: Rural Banking

Job Purpose

The role entails providing financial solutions to meet the requirements of the KCC customers and ensure value added customer service. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing and deepening. The role bearer would be responsible for providing customers with the best in-class experience to become their banking partner of choice. The role bearer is responsible for NTB clients and manage the relationship for a designated branch contributing to the larger branch banking channel objectives.

Roles & Responsibilities

• Responsible for increasing liabilities size of relationship via balances in accounts of existing KCC customers and enhancing customer profitability by capturing larger share of wallet.
• Review the inflows and outflows in the mapped accounts and also proactively identify potential business opportunities.
• Establish closely connect with the existing customers through mailers and phone calls and share insights on the fluctuations in interest rates, exchange rates and various product offerings.
• Generate new sales leads for KCC customers through referrals from existing clients, brokers, etc.
• Responsible for acquiring new customers for KCC with a detail understanding of Credit assessment.
• Leverage knowledge on Liability, Fx, Trade and Client Relationship, Delinquency management, Relationship management and Analytical mind-set to increase volume of business.
• Managing portfolio effectively through continuous monitoring of accounts and renewals enhancement, retention and ensure Portfolio Hygiene with minimal open deferral and covenants.
• Develop a superior working relationship with Branch banking for cross leveraging and synergy optimization and work within the Overall Bank Eco System with other Stakeholders.
• Evaluate the growth strategy based on competitor analysis and feedback from different channels/customers.
• Recommend process changes in order to improve service efficiency and quality across the branch network.
• Demonstrated Ability in sales planning and conceptualize promotions and marketing initiatives.
• Understanding of Financial statements, Credit Assessment and title- security documents.

Managerial & Leadership Responsibilities

• Attract and retain best-in-class talent for key roles in their reporting structure.
• Monitor key parameters on employee productivity, hiring quality and attrition rates and make necessary improvements.
• Enable teams to drive growth targets by providing necessary support.

Education Qualification

Graduation: Bachelor’s in Engineering / Technology / Math’s / Commerce / Arts / Science / Biology / Business / Computers / Management.

Experience

4+ years of relevant experience.