Posted By
Posted in
Sales & Marketing
Job Code
1343575
Job Name - PA (Business Unit) : Cluster Head - Retail Agri
Job Title : (Job Name) - Cluster Head
Business Unit (PA) : Retail Agri
Team : (Sub team in the PA) : Agri Sales Team
Reports to (job) : Circle Head / Regional Head / Zonal Head
Job Purpose:
To ensure business development of Retail Agri for the cluster assigned across all parameters, in order to achieve objectives of targets and profitability.
Lead a result-oriented team and responsible for achieving the Cluster's sales / recovery targets, to work on high quality service and customer relationship management.
To work on productivity of team as per the bank's norms and compliance with banking rules, regulations & procedures.
Job Responsibilities (JR) : 6 - 8 Areas Actionable (4-6)
- Business development - To achieve budgeted business targets of the region assigned by the management across all parameters i.e. Business, Portfolio & Portfolio quality, housekeeping & cross sell.
- Provide strategy and plan for meeting targets / objectives; provide guidance and direction on various parameters of business so that targets are met.
- Portfolio quality - in terms of Rotations and NPA Control.
- Work towards balanced growth of business across various parameters for planned asset growth
- Customer service & Competition Analysis - Delivering unmatched customer service.
- Understanding the products/ processes of competition and suggesting customized product offerings by taking up with appropriate product teams.
- To start business in new locations; for generating business from untapped areas. Retention of existing customers from competition by delivering exceptional service
- Team management - Working together with Product Team and Credit for exploring new opportunities and work on potential areas.
- Analysis of MIS. Analysis of performance of all channels including RM's, SO's, HBL's and branches.
- Stress on performance driven culture.
- Arranging training as per team's requirement to enable them to perform as per their capabilities. Promoting team culture so that everyone works as a team
- Recruitment and training of staff for adequate exposure basis skill, product / operational knowledge.
- Staff Motivation and morale
- Cross functional Management - Work on synergy between all the verticals towards shared objective of capturing the business potential and being a market leader in the region.
- Need to co-ordinate with different cross functions viz, credit, Ops, RIC, branch , Collections etc to keep all teams with similar understanding of bank policies and process
- Others - Undertaking Marketing Activities
- Branch visits
- Leadership in propagating the 'One Bank' objective
- Communication of Senior Management directives down the line
- Providing constructive feedback/solutions for customer/business issues
- Any other task assigned by seniors from time to time.
Educational Qualifications Key Skills
- Graduation (preferably Agri Business)
- Post-Graduation - MBA (preferably Agri Business)
- Sales and Influencing Skills
- Banking Product & Process Knowledge
- Planning and Organizing Skills
- Communication
- Knowledge of Competition & Current trends in financial Industry.
- Leadership / Team management
Experience Required
- Minimum experience of 5-6 years in a similar role or Sales experience in Seed companies, Fertilizer companies, Agri Product companies, Banks, etc.
- Out of which 2-3 years should be in Banking / Financial industry
Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)
- Customers
- Credit
- Branch Banking
- Operations
- Farmers
- Agro Centres/ Rural mandis / Rural Markets / Kisan Clubs
- Business Correspondent
- Senior Leaders from Product / Sales
- Audit
- HR
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Posted By
Posted in
Sales & Marketing
Job Code
1343575