Job Responsibilities (JR) : 6 – 8 Areas |
Actionable (4-6) |
- Sourcing and Business Generation
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- 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
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- Market Update and Change in Product / Processes
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- 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.
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- Relationship Building and Maintenance
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- 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.
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- Delinquency / Rotation & Recovery / Housekeeping
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- 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.
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- Farmer Education and Capacity Building
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- 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.
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- Increased penetration and cross sell
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- Cross sell of other assets and liability products
- Promotion of digital platforms like NetBanking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chillr, etc.
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- Training and Development of SO/HBL
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- 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
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- Relationship with Retail Branches and Other Stake holders
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- 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
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Any other task assigned by seniors from time to time. |
