Relationship Manager - Agri Business

A Relationship Manager for an agri-business builds and manages relationships with clients, primarily farmers and agribusinesses, to provide financial solutions like loans, working capital, and other banking products. Key responsibilities include client acquisition, credit assessment, cross-selling, portfolio monitoring, and ensuring customer satisfaction through strong communication and a deep understanding of the agricultural sector.

Core responsibilities

• Client acquisition :  Source new clients and build a strong customer base through networking and partnerships with channel partners like DSAs and CAs.
• Relationship management :  Nurture existing relationships by understanding client needs, offering customized solutions, and ensuring high levels of customer service.
• Financial solutions :  Promote and sell various financial products, including working capital (fund-based and non-fund based) and term loans, and cross-sell liability and third-party products.
• Credit and risk management :  Conduct field investigations, prepare credit appraisal notes, and manage the portfolio to ensure quality and compliance, minimizing delinquencies and ensuring timely closure of post-disbursement issues.
• Internal coordination :  Collaborate with internal teams such as credit, legal, risk, and other departments to facilitate customer requirements and ensure smooth service delivery.
• Market engagement :  Educate clients on products, services, and digital platforms. This may include conducting village-level meetings to promote products and government schemes.

Skills Required

Client Acquisition, Client Relationship Management, Credit Management, Risk Mitigation, delinquency management