Relationship Manager-AGRI-FIN-TRACTOR LOANS AND RETAIL(TFE)-Retail Sales

Grade- M2/M3

Role- Relationship Manager

Job Description :

Job Profile : 
ü Candidate should be Self-motivated with High energy Level, Fast and Positive learning attitude and strong team player. Should have excellent communication skill, including Hindi and Local language along with English. Should have the good inter personal skills and polite attitude to handle customers. Should have excellent people Management skills so that he can coordinate between different department / Branches / customers well. Must be Techno Savvy and should be well versed with latest computer skills. Should work with Mantra of "Speed, Scale and Skill". 
ü Able to source Working capital Loan facilities to Agri Related Industries and Food Processing and Agro Processing Industries and Other Manufacturing Industry in MSME Segment and responsible for overall Quality Business along with size of business. Must have basic knowledge of working capital finance along with understanding of reading balance sheet and P & L. Candidate also having good knowledge about properties / legal will have edge over others since it is a Mortgage Business and loans are secured by properties. Candidate with Knowledge of local area, strong networking and negotiation skill will have edge over others. 
ü Sourcing of New Customers and ensure month on month disbursement having ticket size from Rs. 2 crore to Rs. 25 crore. Each RM is expected to do minimum 3  New Cases per month. He is expected to meet and appoint New CAs / Financial Consultants, DMAs, Kotak Bank Branch and source business on daily basis, he has to meet at-leats 2 New Leads every working day. 
ü Candidate should have excellent follow-up Management skills. Ensure that Customer requirements and complaints are serviced at the local level with speed and quality. 
ü Collaborate  with trade finance ,CMS, operation, treasury , legal and branch banking team for seamless customer service   
ü Closely work with credit team for managing client expectation and effective risk management 
ü Candidate should be willing to run extensively for sourcing the business as the profile is 80% of Filed Job and 20% of Office job. Must have Own Vehicle with valid driving license.  
Job Requirements : 
ü Post Graduate Diploma  / Post Graduate in Banking and Finance / And (Major  / Minor) Marketing and Finance  will have edge over others 
ü Strong oral and written Communication 
ü Relationship Management Skill 
l ü HDFC BBG RM of grade E2 and E3 are preferable.

Responsibilities

Sales & Business Development Enhance the deposit pool from existing and new customers. Drive sales of non-deposit products including Mutual Funds and Insurance. Achieve cross-selling targets progressively across product categories. Generate fee income through strategic product placement. Customer Relationship Management Deliver high standards of customer service and ensure customer satisfaction. Liaise with internal teams to ensure seamless customer service and delight. Act as a key point of contact for high-value clients in the AGRI-FIN and Tractor Loans segment. Branch Operations & Compliance Oversee branch administration and ensure adherence to regulatory compliance. Manage overall productivity and morale of branch team members. Ensure the branch meets its break-even targets and contributes positively to the P&L. Strategic Collaboration Work closely with product management, marketing, and other verticals for new product development and service enhancements. Contribute to sales initiatives and tactical planning. Leadership & Team Management Demonstrate strong leadership skills with a tactical focus. Balance strategic thinking with execution (Thinker:Doer ratio of 40:60). Foster a collaborative and performance-driven team culture.