Relationship Manager (Farmer Finance)

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.

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.

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.