Job Description

Job Purpose

Acquisition, enhancement and retention of customers by providing best possible services and being the dedicated point of contact for customers of Agri sector for working capital loans / Business loans.

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 for working capital loans.

• Participation in rural melas/games/functions to look for new business avenues Market Update and Change in Product/Processes:

• To keep an update with respect to market requirement, competition and customer banking behaviour.

• To understand the changing dynamics in the market and propose amendments in various product offerings.

• To be updated on changes in State Government law and policies and accordingly proposing amendment in processes.Relationship Building and Maintenance

Relationship Building and Maintenance

• To liaison with new and existing customers for long term relationships for working capital loans

• To be in constant touch with agro centres /rural Mandis/rural markets/Kissan clubs for maintaining and deepening existing relationships.

• Addressing complaints received from customers within stipulated TAT. Delinquency/Rotation Recovery Support, Market information

• To ensure minimal delinquency in portfolio with high level of control.

• To monitor rotation of accounts

• To avoid dropping of limit in customers account, ensure timely submission of documents likeLAD, CAM and others

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.

Increased penetration and cross sell

• Sell working capital loans to Clients into Agri commodities, Agriculture related business person and farmers.

• Cross sell other asset and liability products

• Promotion of digital platforms like Net Banking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chill 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 dealing.

• To monitor performance and counselling them for delivery

Relationship with Retail Branches and Other Stake holders

• Liaise with Credit team to ensure clearance of proposal of business loans, working capital loans, other asset products.

• To coordinate with Remedial team for all NPA cases and work towards recovery of the same

• To coordinate with the local government bodies for Documentation and verification purposes

• To coordinate with the local Operations team for disbursement

• Liaise with Branch Banking team for providing best services to customers

Company Description

HDFC Bank is one of India\xe2\x80\x99s leading private banks and was among the first to receive approval from the Reserve Bank of India (RBI) to set up a private sector bank in 1994.

Today, HDFC Bank has a banking network of 5,314 branches and 13,640 ATMs spread across 2,768 cities and towns.

Requirements

Educational Qualifications

• Graduation (preferably Agri Business)

• Post-Graduation MBA (preferably Agri Business)

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, Non Banking financial institutions etc.

• Preferred from Banking / Financial Services.

Mintskill HR Solutions LLP