Relationship Manager

ROLE PURPOSE & OBJECTIVE

• DrivingAgriculture Lending business in their respective Branches. Isresponsible for meeting agriculture lending goals, qualityportfolio and cross sell of all banking products.

• SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

• Shallbe expected to manage a portfolio of Rs. 15 Cr.

• Responsiblefor collections and portfolio quality

• Managingagriculture business and portfolio across the branches ofoperations

• Managinga team size of 5 employees progressively
• Managingassets like marketing collaterals, Stationary, Dockets andSystems

• Managinghiring and placement of Relationship Officers in requiredBranches, in future.

• KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business/Financials

• Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established for the areaand branches under his/her responsibility to provide guidance andsolutions to all stake holders as required.
• Supportsreportees- in his/her area in their duties of client visits, riskassessment and recovery strategies
• SupportsLoan Officers- in his/her area in their duties of client visits,risk assessment and recovery strategies
• Shouldbe ready to travel extensively across the branches of control forbusiness requirements

Customer (Both Internal & External)

• Ensurethat customers are aware of the Product and services properly
• Ensurethat customers are explained about the Terms & Conditions ofProduct
• Focuson lower TAT as per laid down standards.

Internal Process

• Ensureright documentation and adherence to laid down process of theBank
• Monitorhealth of portfolio
• Ensurecompliance with lending guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observationsand take necessary steps to prevent recurrence audit and otherregulations.
• Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools

Innovation & Learning

• Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self and reportees
• Evaluatethe staff competences in terms of promotion, business assessmentand credit risk assessment capacity and propose solutions forimprovement
• Expectedto be updated with all new improvement & innovationshappening in the market and competitors
• Shouldbe updated with the latest trends in agriculture, civic and locallaws of the territory of operation

• Understandingmarket trends and competition and timely updation to supervisors

• MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduatein Commerce, Agri or relevant subjects
• AnM Sc Agri, MBA or equivalent is an added advantage

Experience (Years and Core Experience Type)

• 2years in sales and documentation of loans of which at least 1years in Agriculture Loans in an NBFC/ Bank. Mixed experience ofSales & Credit is acceptable, but should be predominantly insales

Certifications

• Relevant certifications shall be an added advantage

Functional Skills

• Abilityto sell source and sell agri loans, drive sales performance. Willbe required to take complete ownership of Agriculture Lending atBranch level.
• Abilityto engage with internal stake holders, customers and to ensurecustomer service and meet Banks goals.
• Marketingand Sales promotion for Agriculture Lending
• Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, clear and purposeful language.
• AdequateComputer knowledge

Behavioral Skills

• SoundProduct knowledge
• Shouldpossess collaboration skills
• Willingnessto travel & relocation as per business requirements andcareer opportunities
• Managingcustomer relations
• Performanceorientation

Competencies

• GoodComputer Knowledge

• Competentto handle MIS systems and Lending Software

• KEYINTERACTIONS

INTERNAL

EXTERNAL

• Productand Marketing Team
• RegionalOperations, Credit
• Audit,Vigilance and FCU team

• AreaTechnical Manager

• LegalVendors

• Externalmarketing agencies
• CompetitorCounterparts
• LocalGovt Authorities