Job Title

Relationship Manager - Dairy

Business Unit

Retail Agri

Reporting To

Cluster Head

Job Function and Role Type

Sales, Individual Contributor, Extensive Travel Required

Version No

1.0

Job Purpose

Acquisition, enhancement, and retention of customers by providing exceptional services and acting as the dedicated point of contact for customers in the dairy and supply chain sector.

Key Responsibilities

Sourcing and Business Generation

Scope geographical markets for farming and rural communities.

Source proposals from dairy societies, farmers, and co-operatives.

Conduct marketing activities to generate new business.

Guide business correspondents for sourcing.

Achieve productivity benchmarks.

Market Update and Change in Product / Processes

Stay updated on market requirements, competition, and customer behavior.

Propose amendments to product offerings based on market dynamics.

Monitor changes in state government laws and policies.

Relationship Building and Maintenance

Liaise with current and existing customers to deepen relationships.

Engage with dairy societies, farmers, and rural markets.

Monitor business correspondent supervisors.

Address customer complaints within stipulated TAT.

Delinquency, Recovery, and Housekeeping

Minimize portfolio delinquency through follow-ups.

Support legal and remedial teams for recovery actions.





Ensure CAM renewals and audit compliance.

Visit BC locations and track critical observations.

Farmer Education and Capacity Building

Conduct farmer meetings to educate on banking products.

Promote tools and technology for improved farm production.

Cross Sell and Digital Promotion

Cross-sell asset and liability products.

Promote digital platforms like NetBanking and Mobile Banking.

Training and Development of SO/HBL

Train and groom sales resources for optimal performance.

Monitor and counsel staff for improved delivery.

Relationship with Retail Branches and Other Stakeholders

Coordinate with credit teams for timely proposal decisions.

Work with remedial teams on NPA recovery.

Liaise with operations for disbursement and account processing.

Other Tasks

Perform tasks assigned by seniors as needed.

Education:

Graduation (preferably Agri Business), MBA (preferably Agri Business).

Certifications:

None specified.

Key Competencies

Sales and influencing skills, planning and organizing, communication, banking product knowledge, knowledge of competition and trends.

Major Stakeholders

Customers, credit, branch banking, operations, farmers, rural markets, business correspondents, senior leaders, audit, HR.

Required Skills

Refer to the Job Description

📌 Relationship Manager- Dairy (Bihar)
🏢 HDFC Bank
📍 Bihar