Relationship Manager-Tractor Loan

IDFC FIRST Bank; Pathankot; On-site; INR 600,000 - 900,000; Full time

Job summary

IDFC FIRST Bank in India is seeking a Relationship Manager - Tractor Loan to acquire and manage tractor loan customers while ensuring service quality. You will collaborate with product, operations, and dealership teams to drive customer acquisition and grow the dealership network.

The role emphasizes end-to-end credit assessments, portfolio health, and strong engagement with customers and dealers. Prior rural lending experience and excellent communication are valued.

Qualifications

• Graduate with 3 years of rural lending experience.
• Strong knowledge of tractor loan products.
• Proven ability in acquiring customers and managing dealers.

Responsibilities

• Acquire new tractor loan customers and assess credit.
• Engage existing customers with updates on rates and products.
• Empanel dealers, DSAs, and DSTs; grow dealership network.
• Drive leads through referrals and promotions.
• Monitor portfolio quality and motivate channel performance.
• Collaborate with product and operations for tailored financial solutions.

Skills

Tractor loan products knowledge

Rural customer needs

Customer acquisition

Dealership relationship management

Communication

Negotiation

Leadership

Compliance orientation

Education

Graduate in any discipline

Job description

Job Requirements

About the Role

The Relationship Manager - Tractor Loan is responsible for acquiring and managing customers seeking tractor loans, while ensuring high-quality service and portfolio health. The role involves close collaboration with product, operations, and dealership teams to drive customer acquisition, deepen relationships, and deliver tailored financial solutions. The incumbent will also manage dealership business clients and contribute to the overall objectives of the branch banking channel.

Key Responsibilities

Primary Responsibilities

• Acquire new customers for tractor loans by conducting credit assessments and offering end-to-end financial solutions.
• Maintain strong engagement with existing customers through regular communication, including updates on interest rates and product offerings.
• Empanel new dealers, DSAs (Direct Selling Agents), and DSTs (Direct Sales Teams) in the market.
• Generate new leads for dealership business through referrals, promotional activities, and customer interactions.
• Conduct policy training sessions for internal team members to ensure alignment with product guidelines.
• Proactively resolve customer queries and ensure high levels of satisfaction.
• Monitor channel and team performance to ensure quality sourcing and a healthy loan portfolio.
• Analyse competitor products and market practices to inform growth strategies.
• Recommend process improvements to enhance service efficiency and quality across the branch network.
• Plan and execute sales promotions and marketing initiatives to drive business growth.

Secondary Responsibilities

• Collaborate with other business verticals to identify cross-sell opportunities.
• Gather feedback from customers and channels to refine and improve growth strategies.

What We Are Looking For

Education

• Graduate in any discipline (e.g., BA, BCom, BBA, BSc, BTech, BE).

Experience

• 3 years of relevant experience in branch banking, preferably in rural lending or tractor finance.

Skills and Attributes

• Strong understanding of tractor loan products and rural customer needs.
• Proven ability in customer acquisition and dealership relationship management.
• Excellent communication, negotiation, and interpersonal skills.
• Analytical mindset with the ability to assess market trends and competitor strategies.
• Experience in managing sales channels and dealer networks.
• Leadership skills with the ability to mentor and support team members.
• High level of integrity and compliance orientation.
• Strategic thinking and execution capability.