The Branch Manager at a credit society (such as a cooperative or multi-state credit society) acts as the operational and business head for that specific branch. The role balances business growth, loan portfolio management, daily operations, and compliance.

Core Responsibilities
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 recent members/borrowers.
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.
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.
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), Fina

📌 Assistant Branch Manager Kottayam
🏢 Naturals
📍 Kottayam