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RM-Retail Agri

The HDFC Bank Limited
1-3 years
Not Specified

Job Description

Job Description :
A. Sourcing and Business Generation1. Business scoping of geographical market for farming and rural community2. Sourcing proposals from individual farmers / Co-operative societies / Rural Mandis & Markets / Kissan Clubs / Farmer Producer Organizations etc.3. Conducting marketing activities for generating new business4. Work on productivity benchmarksB. Market Update and Change in Product / Processes 1. To keep an update with respect to market requirement, competition and customer banking behavior.2. To understand the changing dynamics in the market and propose amendments in various product offerings.3. To keep abreast of changes in State Government laws and policies.C. Relationship Building and Maintenance1. To liaison with new and existing customers for relationships.2. To be in touch with agro centers /rural mandis / Rural markets / Kisan clubs for maintaining and deepening existing relationships.3. Addressing complaints received from customers within stipulated TAT.D. Delinquency / Rotation & Recovery / Housekeeping1. To work towards minimal delinquency in portfolio.2. Follow-up with customers for recovery. 3. To monitor rotation of accounts4. To avoid dropping of limit in customers account, ensure submission of documents like LAD, CAM, etc. 5. To support legal and remedial team for legal actions6. To work towards keeping Housekeeping parameters under control. E. Farmer Education and Capacity Building1. To conduct village level farmer meetings and educate farmers on various products offered by bank2. To make farmers aware of various aspects of banking and keep them informed about tools and technology for improving farm production.3. To educate farmers about debt waivers, crop insurance & government subsidies. F. Increased penetration and cross sell1. Cross sell of other assets and liability products2. Promotion of digital platforms like NetBanking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chillr, etc.G. Training and Development of SO/HBL1. To utilize the sales resources (HBL/SO) for optimal sales support.2. To groom supporting staff and enhancing their skills by imparting regular trainings for better customer relationship dealing.3. To monitor performance and counseling them for deliveryH. Relationship with Retail Branches and Other Stake holders1. Liaise with Credit to ensure timely decisioning of proposals & closure of Housekeeping items. 2. To coordinate with Remedial team for NPA cases and work towards recovery of the same3. To coordinate with the local Operations team for disbursement4. Liaise with RBB team for activation of branches for KGC business & for providing best services to customers5. To liaise with Business Correspondents (BCs) for new & existing customer relationshipsSkills1. Sales and Influencing Skills2. Banking Product & Process Knowledge3. Planning and Organizing Skills4. Communication5. Knowledge of Competition & Current trends in financial Industry.

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