Relationship Manager-KCC at IDFC FIRST Bank

Job Description

The Relationship Manager-KCC position sits in the IDFC FIRST Bank office in Namakkal.

Job Expectations

About the Post

The Relationship Manager – Kisan Credit Card (KCC) is a specialized position within the Rural Banking function, focused on producing tailored financial solutions to KCC customers. The post involves acquiring new customers, deepening existing relationships, and guaranteeing exceptional service delivery. The incumbent will work closely with product and operations teams to drive customer acquisition, servicing, and portfolio development. This post contributes directly to the branch banking channel’s objectives by overseeing New-to-Bank (NTB) clients and enhancing customer profitability.

Key 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 spot business openings.
Keep up close contact with customers through mailers and calls, sharing findings 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 robust understanding of credit assessment and financial documentation.
Make use of expertise in liabilities, foreign exchange, trade finance, delinquency management, and relationship management to grow business volumes.
Oversee the KCC portfolio through continuous monitoring, renewals, retention, and securing portfolio hygiene with minimal deferrals and covenant breaches.
Collaborate with branch banking teams to optimize synergies and work within the broader bank ecosystem.
Evaluate progress strategies based on competitor analysis and customer feedback.
Recommend process improvements to enhance service productivity and quality over 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 key roles within the reporting structure.
Monitor employee productivity, hiring quality, and attrition rates; implement necessary improvements.
Allow teams to reach progress targets by offering strategic and operational support.

What We Are Looking For

Education

Bachelor’s degree in any discipline.

Experience

Minimum of 3 years of relevant exposure to rural banking, KCC/credit products, or relationship management.

Abilities and Attributes

Solid understanding of KCC products and rural customer needs.
Proficiency in credit assessment and financial documentation.
Outstanding communication, relationship-creating, and problem-solving capabilities.
Strategic mindset with the aptitude to drive business progress.
High level of integrity and compliance orientation.
Capacity to lead teams and handle performance metrics productively.
Familiarity with banking operations, portfolio hygiene, and customer service standards.

Frequently Asked Questions

What are the eligibility criteria for the Relationship Manager-KCC job at IDFC FIRST Bank?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 5-10 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Relationship Manager-KCC 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-KCC at IDFC FIRST Bank.

Is prior experience required for this position?

This role requires around 5-10 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-KCC 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.

Relationship Manager-KCC

IDFC FIRST Bank — Namakkal, NAMAKKAL