As a Retail Agri-Relationship Manager at HDFC Bank, you will be accountable for handling and developing the bank’s agricultural consumer portfolio. Your role entails offering financial answers like agri-finance, operating capital, and loans tailored to meet the needs of farmers and agribusinesses.
You will be conscious of constructing and preserving relationships, riding income, and selling the financial institution’s merchandise. A key part of the activity is knowing the local agricultural panorama and making sure of awesome customer service.
- Job Title: Retail Agri-Relationship Manager
- Company: HDFC Bank
- Location: Venkatagiri, Gudur, Nellore
- Experience :1 – 4 Years
- Vacancies: 6
- Employment Type: Full Time, Permanent
- Industry: Banking
- Department: Sales & Business Development
- Role: Retail Banking Sales
About Company
HDFC (Housing Development Finance Corporation) is one of India’s primary economic institutions, more often than not focusing on housing finance. Established in 1977, it offers a huge variety of services, such as domestic loans, property loans, and deposits.
HDFC is known for its consumer-centric technique, offering aggressive hobby fees, bendy compensation options, and problem-loose loan tactics. Over the years, it has played a pivotal function in selling homeownership in the course of India, supporting lots and heaps to acquire their dream of owning a house. HDFC moreover has a massive presence in banking, coverage, asset control, and actual property, making it a key participant in India’s monetary place.
Job Description: Retail Agri-Relationship Manager
The function of a Retail Agri-Relationship Manager in a financial institution in conjunction with HDFC Bank is vital, especially in markets which is probably pretty reliant on agriculture.
This characteristic is designed to cater to the unique monetary goals of the agribusiness sector, fostering robust relationships with clients to sell and promote numerous banking products tailored to their necessities. This article will define the duties, required abilities, qualifications, and advantages of a Retail Agri-Relationship Manager in 2000 phrases.
Key Responsibilities of Retail Agri-Relationship Manager
As a Retail Agri-Relationship Manager, your middle obligations will revolve around purchaser dating management, sales, and the financial well-being of your agribusiness clients. Here’s a breakdown of your obligations:
1. Client Relationship Management
- Build and hold strong relationships with present agribusiness clients.
- Act as the key contact for the client’s financial needs, in particular, related to running capital merchandise like Loan Against Property (LAP), Crop Loans, Overdraft Cash Credit (OCS), and other agri-associated economic offerings.
- Regularly interact with customers to apprehend their commercial enterprise requirements and offer tailored solutions to satisfy those wishes.
2. Sales and Business Development
- Identify new business possibilities by conducting marketplace studies and networking in the agriculture industry.
- Collaborate with stakeholders and enable clients to expand the financial institution’s portfolio in the agricultural region.
- Cross-promote various banking services and products to existing customers, ensuring the boom of commercial enterprise relationships and portfolio sales.
3. Market Analysis and Strategy
- Stay updated on the present-day market tendencies, competitors’ products, and regulatory modifications to live ahead in the competitive landscape.
- Use this know-how to create and enforce strategies that deal with the evolving monetary wishes of your clients and grow the financial institution’s agri-finance commercial enterprise.
4. Internal Collaboration
- Work carefully with numerous inner teams such as credit, risk management, and operations to remedy customer problems successfully.
- Coordinate with product and approach groups to expand customized financial solutions tailored to the precise desires of the agricultural zone.
5. Customer Support and Problem Resolution
- Respond directly to any queries or issues raised with the aid of clients, offering steering and assisting to clear up issues related to agri-finance products.
- Ensure high client pleasure by delivering seamless banking offerings and proactive account management.
6. Portfolio Management
- Monitor the performance of patron portfolios, perceive dangers, and take steps to reduce delinquencies and defaults.
- Prepare reports on patron interactions, enterprise opportunities, and monetary performance for control overview.
Skills and Qualifications: Retail Agri-Relationship Manager,
To succeed in the function of Retail Agri-Relationship Manager, you ought to possess the following abilities and qualifications:
Educational Background
- A graduate degree in any area is required. However, a diploma in finance, agriculture, or enterprise management is high quality.
- Relevant certifications in monetary offerings, agri-finance, or income control can add price.
Work Experience
- 1 to 4 years of experience in agri-finance, working capital control, or related banking sectors is vital.
- Experience in income and marketing, especially inside the agricultural enterprise, is particularly suitable.
Technical and Financial Knowledge
- In-intensity information on agri-finance merchandise like LAP, Crop Loans, and OCS is vital.
- Strong know-how of agribusiness operations and the financial challenges confronted by agricultural clients is essential for presenting custom-designed economic answers.
Sales and Negotiation Skills
- A confirmed ability to close deals and develop a purchaser base in a competitive market.
- Excellent communication and negotiation capabilities to influence customers and inner stakeholders correctly.
Analytical and Problem-Solving Abilities
- Strong analytical capabilities to evaluate consumer portfolios, perceive risks and recommend corrective actions.
- A proactive attitude toward fixing customer queries and enhancing service fine.
Interpersonal Skills
- Strong dating-constructing talents with a customer-centric mindset.
- Ability to manage multiple relationships and hold an excessive level of consumer delight.
Market Awareness
- A keen understanding of market developments, competition, and the agricultural economic system within the region.
Benefits: Retail Agri- Relationship Manager
Working as a Retail Agri-Relationship Manager at HDFC Bank comes with numerous blessings:
- Career Growth Opportunities: HDFC Bank offers top-notch career development and possibilities for learning and improvement. As you gain revel in and know-how inside the function, you could boost to senior dating management roles or management positions inside the bank.
- Training and Development: The financial institution invests in its personnel by presenting regular training packages in financial offerings, dating management, and income strategies. This enables employees to decorate their expert talents and stay up to date with enterprise trends.
- Performance-Based Incentives: In addition to a competitive salary, the position offers performance-based bonuses and incentives tied to the achievement of enterprise objectives and patron satisfaction metrics.
- Comprehensive Benefits Package: You will experience an extensive variety of benefits, which include health insurance, retirement plans, and paid leave. HDFC Bank is known for its employee-centric rules that ensure healthy work-existence stability.
- Networking Opportunities: This function presents excellent networking opportunities in the agriculture enterprise, banking, and financial sectors, assisting you build a sturdy expert network.
Conclusion:
The function of a Retail Agri-Relationship Manager is a worthwhile role that mixes income, relationship management, and agribusiness records to deliver custom-designed economic solutions to customers. It gives a fulfilling profession with extraordinary boom ability, a competitive repayment bundle, and the opportunity to contribute to the rural zone’s development.
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