About the Company

Bank of Maharashtra, a prominent Public Sector Bank headquartered in Pune, with an extensive network of over 2,600 branches nationwide, is currently expanding its business operations and strengthening its presence across the country. The Bank seeks highly motivated professionals and officers to assume leadership positions within its branch network. Online applications are invited from eligible candidates for the recruitment of Generalist Officers in Scale II.

Job Description

None

Responsibilities

• Comprehensive management of branch operations, encompassing business development, public relations, and liaison with government and regulatory authorities, as well as the public.
• Achieving stipulated business targets.
• Monitoring the credit portfolio, including the upgrading of Non-Performing Assets (NPAs) and recovery efforts.
• Exercising sanctioning powers for both lending and non-lending activities, along with administrative responsibilities and reporting to higher authorities.
• Conducting thorough appraisal and due diligence on credit proposals, ensuring timely completion of reviews and renewals as an appraiser, including Credit Risk Assessment proposals.
• Adhering to established Turnaround Times (TAT) for processing new and existing proposals.
• Ensuring the achievement of satisfactory Risk-Adjusted Return on Capital (RAROC) for each unit within the assigned Key Result Areas (KRAs), being responsible for the analysis and appraisal of credit proposals, including Ad hoc facilities, structuring, rehabilitation proposals, and any other type of business or general proposal relevant to the unit, while also ensuring timely review/renewal of credit limits.
• Ensuring compliance with Know Your Customer (KYC) norms and submitting periodical due diligence reports as per Reserve Bank of India (RBI) guidelines.
• Gathering data and information from customers for assessment and processing of proposals and engaging with key officials within borrowing units to obtain necessary data and statements.
• Organizing Customer Meets and supervising job rotations.
• Following up on inspection and audit reports and ensuring rectifications, along with managing all correspondence related to Head Office, Zonal Office, and addressing customer complaints.
• Maintaining overall control of the branch, including record maintenance, and ensuring strict adherence to the Bank’s established systems and procedures.
• Focusing on planning for business development, formulating growth strategies, expanding the customer base through targeted customer relationship measures, identifying opportunities to enhance the credit portfolio both qualitatively and quantitatively, effectively managing NPAs, and establishing strong liaison with local authorities, government departments, large institutions, corporate entities, and high-net-worth clients to ensure accelerated branch growth and increased market share.
• Cultivating effective Public Relations and ensuring courteous interactions with customers and the public, whether in person, through correspondence, or via telephone, while proactively resolving issues tactfully to avoid confrontations.
• Ensuring adherence to Telephone Discipline by all staff members and maintaining effectiveness in branch operations and customer service, addressing matters in accordance with prevailing rules, except those requiring the Branch Manager’s personal attention.
• Addressing customer grievances in compliance with established rules and guidelines, while promptly reporting any unpleasant incidents occurring in the Branch Head’s absence.
• Maintaining adequate stock levels of security items, passbooks, publicity literature, and various forms necessary for deposits, advances, and other transactions.
• Monitoring matters related to claims on the assets of deceased customers and ensuring their expeditious resolution in accordance with current guidelines, as well as being aware of and authorizing the return of customer cheques in the absence of the Branch Head, promptly bringing such instances to their attention.
• Ensuring effective cash management, including joint custody of cash, supervision over cash tallying, physical verification [from docket & cash reports in system], authorizing cash transactions within delegated powers, and ensuring smooth Day-begin and Day-end processes within the branch’s software systems, while also verifying and ensuring the prompt submission of periodical returns in conformity with the prescriptions in the schedule of returns through concerned departmental Officers / Staff, and ensuring the periodical balancing / tallying of books of accounts and monitoring of fraud-prone sundry items as prescribed.
• Scrutinizing daily vouchers, ensuring verification, protection, and preservation of voucher bundles and records in use, and assisting in the segregation and destruction of old records in accordance with established policy after obtaining permission from the competent authority.
• Monitoring the preparation of annual stationery and security item indents in accordance with established norms and closely monitoring current accounts, large accounts, newly opened accounts, and other institutional accounts that constitute a significant portion of total deposits, while also ensuring the maintenance of registers for cash transactions exceeding Rs. 10.00 lacs and compliance with KYC norms during account opening and monitoring of large-value transactions.
• Ensuring robust security measures for the protection of branch premises, safe vaults, and Bank property.
• Managing Operations and Record maintenance for Safe Deposit Lockers.
• Ensuring periodical verification of securities and diligently maintaining joint custody items, with relevant registers updated accordingly, and facilitating the Branch Head’s review of exceptional reports and implementing measures to reduce such items.
• Taking proactive steps to address any loopholes in systems and procedures or unfair practices that may pose operational risks or lead to future losses, advising staff to strictly adhere to established systems and procedures and avoid shortcuts that bypass guidelines, while also ensuring the maintenance of mandatory registers, such as customer complaint registers and AOD registers.
• Ensuring strict compliance with the Bank’s policies and guidelines and submitting timely reports to the reporting authority.

Qualifications

• Essential: A Bachelor’s degree or Integrated Dual Degree in any discipline with a minimum of 60% marks in aggregate across all semesters/years (55% for SC/ST/OBC/PwBD) from a University/Institute recognized by the Government of India or its Regulatory Bodies OR Chartered Accountant.
• Desirable: Professional qualifications such as CMA, CFA, or ICWA from a recognized Institution recognized by the Government of India or its Regulatory bodies. Passing of JAIIB & CAIIB is desirable.

Skills

ATS Keywords

Frequently Asked Questions

Other Information

Online application submission period: August 13, 2025, to August 30, 2025

Minimum 22 years and Maximum 35 years (Age relaxation for reserved categories will be applicable as per Government guidelines.)
Cut-off date for determining eligibility criteria and other relevant details is July 31, 2025.

Notification Link

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