Job Title Relationship Manager - Retail Agri Business Unit Retail Agri Reporting To Cluster Head / Circle Head Job Function and Role Type Sales, Individual Contributor, Extensive travel required Version No Job Purpose Acquisition, enhancement, and retention of customers by providing exceptional services and acting as the dedicated point of contact for Agri sector customers. Key Responsibilities Sourcing and Business Generation Identify and scope geographical markets for farming and rural communities. Source proposals from farmers, co-operatives, and rural markets. Conduct marketing activities to generate new business. Market Update and Change in Product / Processes Stay updated on market requirements, competition, and customer behavior. Propose amendments to product offerings based on market dynamics. Monitor changes in State Government laws and policies. Relationship Building and Maintenance Liaise with new and existing customers to build relationships. Engage with agro centers, rural mandis, and Kisan clubs to deepen relationships. Address customer complaints within stipulated timelines. Delinquency / Rotation & Recovery / Housekeeping Minimize portfolio delinquency through proactive follow-ups. Monitor account rotation and ensure timely submission of documents. Support legal and remedial teams in recovery and legal actions. Farmer Education and Capacity Building Conduct village-level meetings to educate farmers on banking products. Inform farmers about tools, technology, and subsidies to improve production. Raise awareness about debt waivers and crop insurance. Increased Penetration and Cross Sell Promote cross-selling of asset and liability products. Encourage adoption of digital platforms like NetBanking and Mobile Banking. Training and Development of SO/HBL Train and groom sales resources to enhance customer relationship skills. Monitor performance and provide counseling for improved delivery. Relationship with Retail Branches and Other Stakeholders Coordinate with Credit for timely proposal decisions. Work with remedial teams on NPA recovery. Liaise with RBB team to activate branches for KGC business. Education: Graduate or equivalent in a relevant field. Certifications: None specified. Key Competencies Sales and influencing skills, banking product knowledge, planning and organizing, communication, knowledge of competition. Major Stakeholders Customers, Credit, Branch Banking, Operations, Farmers, Agro Centers, Business Correspondents.