HDFC Bank - Cluster Head - Retail Agri

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

(ref:iimjobs.com