Relationship Officer FPO

AU SMALL FINANCE BANK

Group Company: AU Small Finance Bank Limited

Designation: Relationship Officer FPO

Office Location:

Position description: #*Position description*#

Primary Responsibilities: #*Primary Responsibilities*#

Additional Responsibilities: #*Additional Responsibilities*#

Reporting Team

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Reporting Department: #*Reporting Department*#

Educational Qualifications Preferred

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Field specialization: #*Field specialization*#
Degree: #*Degree*#
Academic score: #*Academic score*#
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Required Certification/s: #*Required Certification/s*#

Required Training/s: #*Required Training/s*#

Required Work Experience

Industry: #*Industry*#
Role: #*Role*#
Years of experience: #*Years of experience*#

Job Brief:- AU Small Finance Bank Limited is seeking a dedicated and proactive Relationship Officer to join our Sales department, focusing on Farmer Producer Organizations (FPOs). This role is pivotal in driving the bank's outreach and engagement with FPOs, facilitating financial inclusion, and supporting the growth of rural enterprises. The ideal candidate will possess a deep understanding of the financial services landscape, particularly in rural and agricultural sectors, and demonstrate strong interpersonal and negotiation skills to build and maintain long-term relationships with FPO clients. This position requires a strategic thinker with the ability to analyze client needs, offer tailored financial solutions, and contribute to the bank's mission of empowering underserved communities through innovative banking services.

Responsibilities:-

Develop and maintain strong relationships with Farmer Producer Organizations to understand their financial needs and provide appropriate banking solutions.
Conduct detailed assessments of FPOs’ financial health and creditworthiness to facilitate loan disbursal and other banking services.
Collaborate with internal teams to design customized financial products that cater specifically to the requirements of FPOs.
Drive the acquisition of new FPO clients by identifying potential organizations and conducting outreach activities in rural and semi-urban areas.
Monitor and manage the portfolio of FPO clients to ensure timely repayments and adherence to compliance standards.
Organize and lead financial literacy and awareness programs for FPO members to enhance their understanding of banking products and services.
Prepare and present regular reports on client engagement, portfolio performance, and market trends to senior management.
Coordinate with credit, risk, and legal teams to ensure smooth processing of loan applications and resolution of client issues.
Stay updated with government schemes, subsidies, and policies relevant to FPOs to advise clients effectively and leverage available benefits.
Represent the bank at industry forums, agricultural fairs, and community events to enhance brand visibility and foster partnerships.

Skill:-

Rural Banking Expertise
Agricultural Finance Knowledge
Client Relationship Management
Credit Assessment and Risk Analysis
Financial Product Customization
Loan Processing and Documentation
Financial Literacy Training
Stakeholder Engagement
Regulatory Compliance
Market Research and Analysis
Communication and Negotiation
Report Preparation and Presentation

Preferred Qualifications:-

Bachelor’s degree in Agriculture, Finance, Business Administration, or a related field; a postgraduate degree or diploma in Rural Management or Agribusiness is advantageous.
Minimum of 3-5 years of experience in financial services with a focus on rural banking, agricultural finance, or working directly with Farmer Producer Organizations.

Key Performance Indicators: #*Key Performance Indicators*#

Required Competencies: #*Required Competencies*#

Required Knowledge: #*Required Knowledge*#

Required Skills: #*Required Skills*#

Required Abilities

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Other: #*Other*#

Work Environment Details: #*Work Environment Details*#

Specific Requirements

Travel: #*Travel*#
Vehicle: #*Vehicle*#
Work Permit: #*Work Permit*#

Other Details

Pay Rate: #*Pay Rate*#
Contract Types: #*Contract Types*#
Time Constraints: #*Time Constraints*#
Compliance Related: #*Compliance Related*#
Union Affiliation: #*Union Affiliation*#