Relationship Manager - Farmer Finance

Job description

× Join the growth story × Explore endless opportunities × Nourish our million relationships × Drive your micro-market × Drive your micro-market × Wealth Services × Wealth Services × Wealth Services × Wealth Services × Wealth Services × Wealth Services × Wealth Services × Wealth Services × Wealth Services × Wealth Services Category Relationship Management Job level Entry - Level Managerial Industry Any Experience 0-6 Years Location Across India Essential Services : Role & Location fungibility At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree.

In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . The role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. About the role A Relationship Manager – Farmer Finance is a core anchor in sourcing and managing farmer finance business within the assigned branch and territory.

The role focuses on identifying and engaging eligible farmer customers for agricultural lending solutions, particularly Kisan Credit Card (KCC), while adopting a 360-degree banking approach. Relationship Managers are expected to understand customer needs, strengthen long-term relationships, and offer solutions in line with those needs, while upholding the core philosophy of being Fair to the Customer and Fair to the Bank.

The role also involves close collaboration with internal teams to deliver consistent service quality, portfolio growth, and customer delight, while ensuring compliance with internal policies and regulatory requirements.

Bankable individuals not just Bankers

We hire from across industries! We at ICICI Bank are in continuous pursuit of creating consistent customer delight and superior experience. Our Relationship Managers are empowered individuals who champion the cause of customer experience and have penchant for building and nurturing business relationships. If you are an individual, whose heart echoes with our aspiration, look no more. We do not just choose diverse minds but celebrate their success.

If you are a bankable individual without banking experience, you are very much welcome, irrespective of your present core responsibilities or the industry associated. Our training programs equip you to get ready for the role of a Relationship Manager. Professionals from across industries are welcome to apply for the role of Relationship Manager. Join the growth story Explore endless opportunities Nourish our million relationships Drive your micro-market . . . . . . . . . . . . . . . .

Key Responsibilities

Customer Service Create service excellence by partnering with farmer customers through their financial life cycle and offering suitable agricultural finance products and services based on their needs, while being fair to the customer and fair to the bank in all engagements. Business Development Responsible for sourcing and selling Kisan Credit Cards (KCC) in the assigned branch and territory. Drive growth of the farmer finance portfolio and profitability by acquiring new customers and increasing wallet share of existing customers.

Champion 360-degree banking Offer products based on customer needs in collaboration with other internal teams in the bank to ensure appropriate and holistic product offerings for farmer customers. Enhance the portfolio quality Work towards maintaining a healthy farmer finance portfolio by ensuring timely renewals, repayments, and recovery. Identify early warning indicators and take proactive measures to minimize delinquencies and NPAs, in line with the philosophy of Fair to Bank, Fair to Customer.

Customized solutions Provide customized agricultural finance solutions as per branch and credit guidelines. Ensure smooth onboarding, documentation, and coordination to support effective servicing of farmer customers. Behold our values Ensure compliance with internal policies, credit norms, KYC guidelines, and regulatory requirements. Offer products and solutions that are fair to customers and fair to the bank at all times.

Key Qualifications & Skills

Educational Qualification Graduates with relevant working experience in the area of relationship management. Qualification in Agriculture will be an added advantage. Communication Good oral and written communication skills with the ability to engage effectively with farmer customers and internal stakeholders. Synergize with Team Willingness to work with various teams for on-ground support and to deliver required enablers for business growth and customer servicing.

Improvise Ability to drive productivity, develop customer relationships, and execute sales and servicing processes aligned with business objectives. Market Sensing Ability to identify new market opportunities, understand rural market dynamics, and support expansion of the farmer finance portfolio. Few Success Factors Building relationships Deep understanding of customer needs Collaboration with cross-functional teams Good communication skills Knowledge on core offerings . . . .

About the Business Group Retail Banking Group of ICICI Bank serves customer segments consisting of individuals, self-employed professionals, SMEs, proprietors, government, and retail institutions. With With more than 6,600 branches across the country, our relationship team is dedicated to serving customer needs with a 360-degree approach. ICICI Bank has a unique bouquet of digital solutions covering the diverse banking needs of customers.

To facilitate a seamless customer banking experience, we have adopted the ICICI Stack approach. It covers a complete range of banking services from bank accounts, payments, banking transactions, and credit cards to personal, mortgage, vehicle loans, and business & institutional solutions. Here are a few videos that you can go through on the products and services of the

Bank. ICICI Bank Coral Credit Card Insta Home OD iMobile Pay: the app for anything, anyone, anytime Senior citizens can now bank the way they like How to open Insta Salary Account instantly ICICI Bank NRI Credit Card ICICI Bank Education Loans ICICI Bank Instant Personal Loans For Festival Banking, payment & more . . . . . . . . . . . . . . . . . . . .

Frequently Asked Questions Show More Show Less Is banking experience a necessity for this role? Certainly not; we are welcoming diverse minds with a knack for selling products and solutions that cater to the needs of the customers. Nevertheless, the obsession with creating a delightful customer experience is a necessity. Is understanding of Banking required to apply for this role? Banking is not a necessary condition to apply for the role.

Individuals with a passion for meeting customers and who cherish relationship management are welcome to apply. Our training programs equip you with the right knowledge to start your role. Can a fresher apply for the role of Relationship Manager? MBAs/graduates with 1 to 12 years of experience can apply for this role. We welcome applicants who are experienced in sales and relationship profiles from across sectors other than Banking as well.

Will experience other than relationship management be considered? We evaluate our applicants’ experience and skills holistically. We do not discount any experience that meet our passion to create delightful customer experience. An orientation to engage with customers and building meaningful relationship is a key factor we look for. We welcome applicants from Non-Banking Industries as well. Will I be working on specific products?

We at ICICI Bank believe in sales orientation irrespective of the roles we hold. It is a key driver to deliver right product to a right customer. In this role, the responsibility largely revolves around building existing relationships, onboarding new customers to the bank by providing 360 degree banking solutions depending of the requirement of the customer. The role also entails collaboration with various internal teams to work towards the right solutions and market strategy.

What are the examples of retail products offered by ICICI Bank? ICICI Bank believes in offering to customers 360 degree banking solutions. Within this framework, few of the retail products offered to customers are savings solutions such as savings and current account, loan solutions such as home, vehicle and personal loans, credit card, care solutions such as pension and insurance plans and investment solutions. Does this role involve sales?

While we duly evaluate your profile against the job requirements, we encourage you to keep your profile at ICICI Careers updated with the latest resume, photograph and complete the declaration. Is this a team-handling role? Our relationship managers work in synergy with lot of internal and external stakeholders. Largely, this role is full of individual contribution with a focus on collaboration, at times team-handling responsibility may be entrusted with depending on the business needs.

What is the next step after applying? While we duly evaluate your profile against the job requirements, we encourage you to keep your profile updated your with latest CV, Photograph and complete the declaration. What is the selection process? Post receiving your application, we shall duly evaluate your profile against the job requirements. If shortlisted, we shall invite you for a personal interview to better understand your profile.

Please update your profile at ICICI Careers for us to stay updated with your latest information.