Relationship Manager - Retail Agri Business

Job Purpose:

To manage and grow the Retail Agri Business portfolio by acquiring new clients, deepening relationships with existing farmers and agri-entrepreneurs, and cross-selling banking products. The RM will ensure quality sourcing, credit assessment, and post-disbursement relationship management while maintaining compliance with policies and risk guidelines.

Key Responsibilities:

Business Development & Acquisition:

- Identify and acquire new clients in the Agri and Agri-allied sector (farmers, traders, processors, agri SMEs).

- Generate business for agriculture loans, KCC, farm equipment finance, warehouse receipts, and agri value chain products.

- Develop catchment strategies to penetrate rural and semi-urban markets.

Portfolio & Relationship Management:

- Manage relationships with existing customers to enhance engagement and wallet share.

- Monitor portfolio performance, repayment behavior, and proactively address delinquencies.

- Provide financial solutions tailored to agri needs (credit, liabilities, insurance, investment products).

Credit & Risk Management:

- Conduct preliminary credit assessment and ensure quality sourcing as per bank policy.

- Assist in loan documentation, appraisal, and timely disbursement.

- Ensure adherence to compliance, KYC, AML, and RBI guidelines.

Cross-Selling & Revenue Generation:

- Cross-sell liability products (CASA, term deposits), insurance, and digital banking solutions.

- Drive fee-based income from third-party product distribution.

- Achieve assigned business targets for assets, liabilities, and cross-sell.

Market & Customer Insights:

- Stay updated on Agri business trends, government schemes, subsidies, and local crop patterns.

- Provide feedback to product teams for new product development or enhancement.

Key Skills & Competencies:

- Strong understanding of agriculture sector, crop cycles, and agri value chains.

- Business development and relationship management skills.

- Credit assessment and risk analysis capability.

- Communication, negotiation, and customer service orientation.

- Willingness to travel extensively in rural/semi-urban areas.

Qualifications & Experience:

- Graduate/Post Graduate (preferably in Agriculture, Agri Business, Rural Management, or Finance).

- 5-7 years of relevant experience in Retail Agri Lending/Agri Business Banking.

- Exposure to sourcing, underwriting, and managing Agri loan portfolios preferred.