Core Responsibilities

1. Business Development & Revenue Generation

* Deposit Mobilization: Drive branch targets for savings accounts, recurring deposits (RD), fixed deposits (FD), and daily deposit schemes.

* Loan Portfolio Growth: Expand the credit portfolio across products (e.g., gold loans, vehicle loans, agricultural credit, personal loans, or MSME loans).

* Customer Acquisition: Build community networks, handle local outreach, and acquire new members/borrowers.

2. Credit Oversight & Risk Management

* Loan Evaluation: Conduct primary due diligence, verify documentation, and assess borrower eligibility before recommending or approving loan files.

* NPA & Recovery Control: Monitor timely EMI repayments, track overdue accounts, and lead recovery efforts to keep Non-Performing Assets (NPAs) minimal.

* Portfolio Risk: Ensure overall asset quality across all lending categories.

3. Operational & Staff Management

* Daily Operations: Oversee vault management, cash handling, account opening, and transaction processing.

* Team Leadership: Manage and mentor branch staff, including field executives, deposit collectors, loan officers, and customer service staff.

* Customer Relations: Handle member inquiries, resolve escalations,



and maintain service standards.

4. Audit & Regulatory Compliance

* Cooperative Guidelines: Ensure compliance with internal society policies, state cooperative laws, or Multi-State Cooperative Societies (MSCS) regulations.

* Audits & Inspection: Prepare branch records for internal and external audits, ensuring prompt resolution of any compliance observations.

Key Requirements & Qualifications

* Education: Bachelor’s degree in Commerce, Business Administration (BBA), Finance, or a related field (MBA/Post-Graduation is preferred for senior roles).

* Experience: Typically 3–8 years of relevant experience in NBFCs, microfinance institutions (MFIs), cooperative societies, or retail banking.

* Skills Needed:

* Local market knowledge and community relationship management.

* Sound understanding of retail loan underwriting and deposit products.

* Team leadership and sales drive.

* Basic understanding of financial software/CBS (Core Banking Solutions).

Pay: ₹20,000.79 - ₹48,691.18 per month

Advantages:

- Cell phone reimbursement
- Flexible schedule

Work Location: In person

📌 Assistant Branch Manager (India)
🏢 Naturals
📍 India