Relationship Manager - Farmer Finance
IDFC FIRST Bank — Patiala, PATIALA
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Job Description
The Relationship Manager - Farmer Finance position sits in the IDFC FIRST Bank office in Patiala.
Job Criteria Position/ Job Title: Relationship Manager – Farmer Finance
Function/ Department: Agri
About the Job
The Relationship Manager –Farmer Finance is a specialized post within the Retail Liabilities function, focused on providing tailored financial solutions to Agri customers. The job involves acquiring new customers, deepening existing relationships, and ensuring exceptional service delivery. The incumbent will work closely with product and operations teams to drive customer acquisition, servicing, and portfolio expansion. This job contributes directly to the branch banking channel’s objectives by running New-to-Bank (NTB) customers and enhancing customer profitability.
Core Responsibilities
Primary Responsibilities
- Increase liabilities by growing balances in accounts of existing KCC customers and capturing a larger share of wallet.
- Monitor account inflows and outflows to proactively recognise business chances.
- Uphold close contact with customers through mailers and calls, sharing perspectives on interest rates, exchange rates, and product offerings.
- Generate new sales leads for KCC through referrals, brokers, and other sources.
- Acquire new KCC customers with a solid understanding of credit assessment and financial documentation.
- Draw on expertise in liabilities, foreign exchange, trade finance, delinquency management, and relationship management to grow business volumes.
- Run the KCC portfolio through continuous monitoring, renewals, retention, and guaranteeing portfolio hygiene with minimal deferrals and covenant breaches.
- Collaborate with branch banking teams to optimize synergies and work within the broader bank ecosystem.
- Evaluate development strategies based on competitor analysis and customer feedback.
- Recommend process improvements to enhance service streamlining and quality throughout the branch network.
- Demonstrate ability in sales planning, promotions, and marketing initiatives.
- Understand financial statements, credit assessment processes, and title/security documentation.
Secondary Responsibilities
- Attract and retain top talent for core roles within the reporting structure.
- Monitor employee productivity, hiring quality, and attrition rates; implement necessary improvements.
- Equip teams to attain development targets by giving strategic and operational support.
What We Are Looking For
Education
- Bachelor’s degree in any discipline.
Experience
- Minimum of 3 years of relevant background in rural banking, KCC/credit products, or relationship management.
Competencies and Attributes
- Sound understanding of KCC products and rural customer needs.
- Proficiency in credit assessment and financial documentation.
- Strong communication, relationship-establishing, and problem-solving abilities.
- Strategic mindset with the capacity to drive business development.
- High level of integrity and compliance orientation.
- Capability to lead teams and oversee performance metrics successfully.
- Familiarity with banking operations, portfolio hygiene, and customer service standards.
Frequently Asked Questions
What are the eligibility criteria for the Relationship Manager - Farmer Finance job at IDFC FIRST Bank?
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-2 Years years of relevant experience expected for this role.
What are the primary responsibilities of a Relationship Manager - Farmer Finance at IDFC FIRST Bank?
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Relationship Manager - Farmer Finance at IDFC FIRST Bank.
Is prior experience required for this position?
This role requires around 0-2 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
What skills are important for this role?
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
How do I apply for the Relationship Manager - Farmer Finance role at IDFC FIRST Bank?
You can apply directly using the Apply Now button on this page, which will take you to IDFC FIRST Bank's application process for this role.
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