Relationship Manager - Farmer Finance

Role overview

This position sits within the Agri function and focuses on relationship management for farmer finance customers. The role is built around winning new business, strengthening existing customer ties, and delivering a high standard of service. You will partner with product and operations teams to support customer acquisition, account servicing, and portfolio expansion, while also helping the branch banking channel achieve its targets through new-to-bank customer growth and improved customer value.

Primary responsibilities

• Expand liability balances by increasing the account usage of existing KCC customers and improving wallet share.
• Track account credits and debits to spot fresh business opportunities early.
• Stay in regular touch with customers through calls and mailers, while sharing updates on interest rates, exchange rates, and relevant products.
• Build sales opportunities for KCC through referrals, brokers, and other lead sources.
• Bring in new KCC customers while applying sound credit evaluation and documentation practices.
• Use knowledge of liabilities, foreign exchange, trade finance, delinquency handling, and relationship management to grow business volumes.
• Oversee the KCC portfolio through renewals, retention efforts, ongoing monitoring, and strong portfolio discipline with low deferrals and covenant issues.
• Work with branch banking teams to create stronger business synergies across the bank.
• Review market moves and customer feedback to shape growth plans.
• Suggest ways to improve processes so service quality and efficiency rise across the branch network.
• Support sales planning, promotional activities, and marketing initiatives.
• Interpret financial statements and understand credit appraisal as well as title and security documents.

Secondary responsibilities

• Help attract and retain strong talent for roles within the reporting line.
• Track productivity, hiring effectiveness, and attrition, then recommend or implement improvements.
• Support teams with the guidance and execution needed to meet growth goals.

Education and experience

A bachelor’s degree in any discipline is required. The role calls for at least 3 years of relevant experience in rural banking, KCC or credit products, or relationship management.

Skills and attributes

• Strong grasp of KCC products and rural customer requirements
• Credit appraisal and documentation handling
• Customer relationship management
• Sales planning and lead generation
• Portfolio monitoring and hygiene management
• Banking operations knowledge
• Communication and stakeholder management
• Problem-solving and analytical thinking
• Business growth orientation
• Integrity and compliance focus
• Team leadership and performance management

Additional information

The role is based in Kota, Rajasthan, India and is a full-time, on-site position in the Finance category. It is intended for candidates who can work closely with branch teams and support both customer growth and portfolio quality in the farmer finance segment.