Rm-retail Agri

**2 - 5 years**:
**Any Graduate**:
**sales -retail Agri**:
**4 ~ 6 LPA**:
**Job Description**:
**Acquisition, enhancement and retention of customers by providing best possible services and being the dedicated point of contact for customers of Agri sector.**

**Job Responsibilities (JR) : 6 - 8 Areas**

**Actionable (4-6)**
- **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 mínimal 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 (BC’s) for new & existing customer relationships**
- **Others**

**Any other task assigned by seniors from time to time.**

**Educational Qualifications**

**Key Skills**
- **Sales and Influencing Skills**
- **Banking Product & Process Knowledge**
- **Planning and Organizing Skills**
- **Communication**
- **Knowledge of Competition & Current trends in financial Industry.**

**Experience Required**
- **Minimum experience of 1-3 years in a similar role or Sales experience in Seed companies, Fertilizer companies, Agri Product companies, Banks, etc.**
- **Preferred from Banking / Financial Services.**

**Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)**
- **Customers**
- **Credit**
- **Branch Banking**
- **Operations**
- **Farmers**
- **Agro Centres/ Rural mandis / Rural Markets / Kisan Clubs**
- **Business Correspondent**
- **Senior Leaders from Product/Sales**
- **Audit**
- **HR