RM-Retail Agri

HDFC Bank Limited; Patran; On-site; INR 600,000 - 900,000; Full time

Job summary

HDFC Bank Limited is seeking a Relationship Manager - Retail Agri to acquire, enhance, and retain customers in the agricultural sector. You will serve as the primary contact for Agri clients, build relationships with farmers and rural stakeholders, and drive cross-sell of assets and liabilities.

The role demands strong sales and banking knowledge, and willingness to travel extensively to cover farming communities and agro centers across the region.

Qualifications

• Graduate or equivalent in a relevant field.
• Strong sales and relationship-building skills.
• Knowledge of banking products and digital banking.
• Ability to travel extensively.

Responsibilities

• Identify and scope geographical markets for farming and rural communities.
• Source proposals from farmers, co-operatives, and rural markets.
• Conduct marketing activities to generate new business.
• Stay updated on market requirements, competition, and customer behavior.
• Propose amendments to product offerings based on market dynamics.
• Monitor changes in State Government laws and policies.
• Liaise with new and existing customers to build relationships.
• Engage with agro centers, rural mandis, and Kisan clubs to deepen relationships.
• Address customer complaints within stipulated timelines.
• Minimize portfolio delinquency through proactive follow-ups.
• Monitor account rotation and ensure timely submission of documents.
• Support legal and remedial teams in recovery and legal actions.
• Conduct village-level meetings to educate farmers on banking products.
• Inform farmers about tools, technology, and subsidies to improve production.
• Raise awareness about debt waivers and crop insurance.
• Promote cross-selling of asset and liability products.
• Encourage adoption of digital platforms like NetBanking and Mobile Banking.
• Train and groom sales resources to enhance customer relationship skills.
• Monitor performance and provide counseling for improved delivery.
• Coordinate with Credit for timely proposal decisions.
• Work with remedial teams on NPA recovery.
• Liaise with RBB team to activate branches for KGC business.

Skills

Sales

Banking product knowledge

Communication

Planning

Education

Graduate or equivalent

Job description

Job Title

Relationship Manager - Retail Agri

Business Unit

Retail Agri

Reporting To

Cluster Head / Circle Head

Job Function and Role Type

Sales, Individual Contributor, Extensive travel required

Job Purpose

Acquisition, enhancement, and retention of customers by providing exceptional services and acting as the dedicated point of contact for Agri sector customers.

Key Responsibilities

Sourcing and Business Generation

• Identify and scope geographical markets for farming and rural communities.
• Source proposals from farmers, co-operatives, and rural markets.
• Conduct marketing activities to generate new business.

Market Update and Change in Product / Processes

• Stay updated on market requirements, competition, and customer behavior.
• Propose amendments to product offerings based on market dynamics.
• Monitor changes in State Government laws and policies.

Relationship Building and Maintenance

• Liaise with new and existing customers to build relationships.
• Engage with agro centers, rural mandis, and Kisan clubs to deepen relationships.
• Address customer complaints within stipulated timelines.

Delinquency / Rotation & Recovery / Housekeeping

• Minimize portfolio delinquency through proactive follow-ups.
• Monitor account rotation and ensure timely submission of documents.
• Support legal and remedial teams in recovery and legal actions.

Farmer Education and Capacity Building

• Conduct village-level meetings to educate farmers on banking products.
• Inform farmers about tools, technology, and subsidies to improve production.
• Raise awareness about debt waivers and crop insurance.

Increased Penetration and Cross Sell

• Promote cross-selling of asset and liability products.
• Encourage adoption of digital platforms like NetBanking and Mobile Banking.

Training and Development of SO/HBL

• Train and groom sales resources to enhance customer relationship skills.
• Monitor performance and provide counseling for improved delivery.

Relationship with Retail Branches and Other Stakeholders

• Coordinate with Credit for timely proposal decisions.
• Work with remedial teams on NPA recovery.
• Liaise with RBB team to activate branches for KGC business.

Education

Graduate or equivalent in a relevant field.

Certifications

None specified.

Key Competencies

Sales and influencing skills, banking product knowledge, planning and organizing, communication, knowledge of competition.

Major Stakeholders

Customers, Credit, Branch Banking, Operations, Farmers, Agro Centers, Business Correspondents.

Required Skills

Refer to the Job Description