RM-Retail Agri

A. Sourcing and Business Generation

1. Business scoping of geographical market for farming and rural community
2. Sourcing proposals from individual farmers / Co-operative societies / Rural Mandis & Markets / Kissan Clubs / Farmer Producer Organizations etc.
3. Conducting marketing activities for generating new business
4. Work on productivity benchmarks

B. Market Update and Change in Product / Processes

1. To keep an update with respect to market requirement, competition and customer banking behavior.
2. To understand the changing dynamics in the market and propose amendments in various product offerings.
3. To keep abreast of changes in State Government laws and policies.

C. Relationship Building and Maintenance

1. To liaison with new and existing customers for relationships.
2. To be in touch with agro centers /rural mandis / Rural markets / Kisan clubs for maintaining and deepening existing relationships.
3. Addressing complaints received from customers within stipulated TAT.

D. Delinquency / Rotation & Recovery / Housekeeping

1. To work towards minimal delinquency in portfolio.
2. Follow-up with customers for recovery.
3. To monitor rotation of accounts
4. To avoid dropping of limit in customers account, ensure submission of documents like LAD, CAM, etc.
5. To support legal and remedial team for legal actions
6. To work towards keeping Housekeeping parameters under control.

E. Farmer Education and Capacity Building

1. To conduct village level farmer meetings and educate farmers on various products offered by bank
2. To make farmers aware of various aspects of banking and keep them informed about tools and technology for improving farm production.
3. To educate farmers about debt waivers, crop insurance & government subsidies.