RM-Retail Agri || Ahmadgarh, Ludhiana, Khanna, Doraha

Job Name PA (Business Unit) :

Job Title :

Job Responsibilities

• Sourcing and Business Generation
• Business scoping of geographical market for farming and rural community
• Sourcing proposals from individual farmers / Co-operative societies / Rural Mandis & Markets / Kissan Clubs / Farmer Producer Organizations etc.
• Conducting marketing activities for generating new business
• Work on productivity benchmarks

• Market Update and Change in Product / Processes
• To keep an update with respect to market requirement, competition and customer banking behavior.
• To understand the changing dynamics in the market and propose amendments in various product offerings.
• To keep abreast of changes in State Government laws and policies.
• Relationship Building and Maintenance

• To liaison with new and existing customers for relationships.
• To be in touch with agro centers /rural mandis / Rural markets / Kisan clubs for maintaining and deepening existing relationships.
• Addressing complaints received from customers within stipulated TAT.

• Delinquency / Rotation & Recovery / Housekeeping
• To work towards minimal delinquency in portfolio.
• Follow-up with customers for recovery.
• To monitor rotation of accounts
• To avoid dropping of limit in customers account, ensure submission of documents like LAD, CAM, etc.
• To support legal and remedial team for legal actions
• To work towards keeping Housekeeping parameters under control.
• Farmer Education and Capacity Building

• To conduct village level farmer meetings and educate farmers on various products offered by bank
• To make farmers aware of various aspects of banking and keep them informed about tools and technology for improving farm production.
• To educate farmers about debt waivers, crop insurance & government subsidies.
• Increased penetration and cross sell
• Cross sell of other assets and liability products
• Promotion of digital platforms like NetBanking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chillr, etc.

• Training and Development of SO/HBL
• To utilize the sales resources (HBL/SO) for optimal sales support.
• To groom supporting staff and enhancing their skills by imparting regular trainings for better customer relationship dealing.
• To monitor performance and counseling them for delivery
• Relationship with Retail Branches and Other Stake holders
• Liaise with Credit to ensure timely decisioning of proposals & closure of Housekeeping items.
• To coordinate with Remedial team for NPA cases and work towards recovery of the same
• To coordinate with the local Operations team for disbursement
• Liaise with RBB team for activation of branches for KGC business & for providing best services to customers
• To liaise with Business Correspondents (BCs) for new & existing customer relationships

• Others