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 current 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), 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: ₹20,438.76 - ₹31,703.10 per month

Work Location: In person

📌 Branch In Charge Pattambi
🏢 Naturals
📍 Pattambi