Rural Banking Relationship Specialist

3 weeks ago


Amritsar, Punjab, India IDFC FIRST Bank Full time

Job Title: Rural Banking Relationship Specialist

Role Summary:

The Rural Banking Relationship Specialist will be responsible for deepening relationships with rural banking accounts and ensuring best-in-class service to customers. The role requires identifying prospective customers and converting them into real business opportunities.

Key Responsibilities:

  • Deepen existing portfolio to ensure customer stickiness.
  • Manage zoning activity to map household needs in villages and allocated areas.
  • Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets.
  • Assess and evaluate client needs and generate new sources of revenue by leveraging cross-sell opportunities as per their lifestyle, risk profiling, and requirements.
  • Contribute to penetration of liabilities business in rural markets through lead generations and account opening as per customer needs.
  • Achieve individual and branch sales goals through new business sales, referrals, and retention of account relationships.
  • Monitor high collections efficiency through discipline and drive.
  • Conduct field audits and customer verifications to ensure high-quality accounts.
  • Gather latest market intelligence and track and benchmark against best practices in competitor banks.
  • Evaluate growth strategy based on competitor analysis and feedback from different channels/customers.
  • Recommend process changes to improve service efficiency and quality across the branch network.
  • Manage a team of field officers, taking responsibility for their development and attrition.
  • Develop and implement livelihood advancement and community development initiatives.

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: Any Graduates.

Experience: 5+ years of relevant rural banking experience.



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