HDFC Bank Looking for RM-Retail Agri at Dhanbad, Jharkhand

Job Description :

A. 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

B. 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.

C. 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.

D. 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.

E. 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.

F. 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.

G. 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

H. 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

Skills : 1. Sales and Influencing Skills
2. Banking Product & Process Knowledge
3. Planning and Organizing Skills
4. Communication
5. Knowledge of Competition & Current trends in financial Industry.

HDFC Bank