Job Title – Relationship Manager-Group Place of work - Karnataka Business Unit - Retail Banking-Rural Banking Function - Rural Sales Job Purpose The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to identify prospective customers and convert them into real business opportunities. The role bearer is responsible for creating Joint Liability Groups and centres and managing them through the formation, disbursal and collection phases while managing a team to drive client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship. Roles & Responsibilities Deepen existing portfolio to ensure customer stickiness Manage zoning activity to map household needs in villages and areas allocated Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements Contribute to penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship Monitor high collections efficiency through discipline and drive Conduct field audits and customer verifications to ensure high quality of accounts Gather latest Market intelligence and track and benchmark against best practices in competitor banks. '- Evaluate the growth strategy based on competitor analysis and feedback from different channels/customers Recommend process changes in order to improve service efficiency and quality across the branch network Manage a team of field officers, taking responsibility of their development and attrition Develop and implement livelihood advancement and community development initiatives. Managerial & Leadership Responsibilities – Attract and retain best-in-class talent for key roles in their reporting structure Monitor key parameters on employee productivity, hiring quality and attrition rates and make necessary improvements Enable teams to drive growth targets by providing necessary support. Educational Qualifications Graduate Full Time : Bachelors in Commerce / Arts / Science / Biology / Business / Computers / Maths/ Engineering / Management / any others. Post Graduate-Optional Experience 3-7 years of relevant Rural banking experience.