What's New

Extraordinary General Meeting to be conducted on 29th January 2013
Our systems are upgraded. We have implemented the latest technology – Finacle from Infosys. We thank you for your patience and continuous support. Enjoy ‘banking’ with us!
The bank announces tie up with UTI mutual fund for distribution of its schemes
Your bank has been rated as India’s Best Bank (Growth) and ranked 5th overall in the Mid-sized Banks segment in the 2012 Business Today-KPMG study.
Ratnakar Bank Expands its Footprint in National Capital Region (NCR). Launches Full Service Branches in Gurgaon and Noida.
Ratnakar Bank is the first Indian Bank to establish partnership with ADB for a First-of-its-Kind Partial Guarantee Program for MFIs in India.
Ratnakar bank has announced the opening of its new National Operating Center (NOC) at Goregaon, Mumbai.
Ratnakar Bank Launches Online Shopping for existing customers in collaboration with Times Of Money.
Ratnakar Bank increases its Savings Account interest rate up to 6.1% with effect from 1st April, 2013
SMS Banking Now Available. Anytime Banking with Your Mobile.
We offer Point-of-Service facility for KYC compliance - we can come to you!

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Access your account details, manage deposits and loans, Transfer funds and more!
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Career

Home > Careers With Us

It takes self belief to accept challenge but it needs courage to conquer it. So if you believe in yourself and are looking to push your limits you are welcome to be part of the team at Ratnakar Bank.

Current Openings

Financial Inclusion Group
Risk Management
Business Solutions Group
Retail Banking
Commercial Banking
Finance

Financial Inclusion Group

Head - Partnerships & Products
Job Description

Responsible for all new assets, insurance, pension & investment products that will be launched for non agri customers under financial inclusion.
Managing all the Business Correspondent Relationships for financial inclusion business of the bank.
Managing the products and the product team for financial inclusion.

Desired Candidate Profile

Should have worked at a regional head / business head in MFI.
Experience in both Banking and MFI sector.
Willingness to travel extensively.
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Cluster Head

Overall responsibility of achieving given targets to the cluster as well as to the individual branches under his command.
Monitoring, management of NPAs & Overdue accounts.
Drive income from cross selling like Insurance & Other Financial Services.
Branches to ensure good ratings in their audit.
Ensure prompt submission of cluster level M.I.S.
To conduct customer meets & campaigns at regular intervals for business development.
To conduct Venue Marketing, Road Shows etc. at Urban / Semi-Urban branches during campaign periods.
Review and enhance (profitability of the cluster). Periodic visit to branches for guidance, support for excellence.
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Business Development Officer / Loan Officer

Backup to the Cluster Head.
Credit analysis.
Growth and maintenance of asset quality.
Online credit support to branches.
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Branch Manager

Overall responsibility of achieving given targets to the branch.
Monitoring, management of NPAs & Overdue accounts.
Drive income from cross selling like Insurance & Other Financial Services.
Branch Manager to ensure good ratings of his / her branch in audit.
Ensure prompt submission of branch level M.I.S.
To conduct customer meets & campaigns at regular intervals for business development.
To conduct Venue Marketing, Road Shows & etc during campaign periods.
Review and enhance profitability of the branch.
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Branch Operations Manager

Responsible for internal control, systems & processes of the branch.
Customer service.
Submission of data to H.O. at regular intervals.
Compliance & administration of the branch & coordinate with the Branch Manager in smooth functioning of the branch.
Ensure data integrity of the accounts at the branch.
Other Responsibilities: - Billing, Service Charges, Processing Charges, Insurance Coverage, Verification of Day End Reports, Exception Reports, Cash Verification, Cash Management, System Functioning, Premises up keep, etc.
To support CSR with resources.
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Customer Service Representative

Origination of loan proposal, due diligence, formation of JLG & recovery of loans & follow-up of OD.
Mobilization of business through new accounts (NTBS).
Reach given targets under assets as well as liabilities.
Loan documentation with the help of branch staff.
Coordinate with Manager and Staff for betterment of business & account relationships.
Customer / Unit visits at the given intervals.
Cross selling of products through relationships.
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Risk Management

Credit Risk Manager

Risk management and control of the loan portfolio under financial inclusion vertical.
Ensure quality of the assets to avoid quick mortalities, to assess the risks in case of deviation from approved
products and all proposals above `10.00 lakhs.
Ensure NPA position less than 2% (Gross NPA) by visiting 5% of the sample of below `10 lakhs and
100% above `10 lakhs.
Regular inspection of asset book.
Mitigating of risk by ring fencing in irregular accounts.
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Business Solutions Group

Officer - Liability Products

Well versed with Liability Products & Business Operations and Process.
Working knowledge / Hands-on the systems associated with the said Products / Business.
Knowledge about the competition / best market practices.
System knowledge to cover the Front-end Process, mapping the Operations and workflow, GL accounting etc.
Understanding of the various direct banking products / channels and their respective system interphase / operations.
Data Migration from one system to another and their impact analysis / gap document etc.
Preparation of system requirement document and process workflows.
Be a team player and willing to carry out R&D on systems and testing.
Willing to work under pressure and be independent.
Should be creative and consider all facts before designing system / operations process.
Coordination with various Business Groups in designing / conceptualizing the systems / processes / operations /
roll out.
Monitoring the usage and highlight misuse / items which will impact the system.
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Officer - Assets Products

Well versed with Assets Products & Business Operations and Process.
Working knowledge / Hands-on the systems associated with the said Products / Business.
Knowledge about the competition / best market practices.
System knowledge to cover the Front-end Process, Mapping the Operations and workflow, GL accounting etc.
Understanding of the various direct banking products / channels and their respective system interphase / operations.
Data Migration from one system to another and their impact analysis / gap document etc.
Preparation of system requirement document and process workflows.
Be a team player and willing to carry out R&D on systems and testing.
Willing to work under pressure and be independent.
Should be creative and consider all facts before designing system / operations process.
Coordination with various Business Groups in designing / conceptualizing the systems / processes / operations /
roll out.
Monitoring the usage and highlight misuse / items which will impact the system.
Upload Resume

Officer - Clearing & RBI systems/Channels/Cash Management

Well versed with RBI / RTGS / NEFT / ECS / Clearing Products & Business Operations and Process.
Working knowledge / Hands-on the systems associated with the said Products / Business.
Knowledge about the competition / best market practices.
System knowledge to cover the Front-end Process, Mapping the Operations and workflow, GL accounting etc.
Understanding of the various direct banking products / channels and their respective system interphase / operations.
Data Migration from one system to another and their impact analysis / gap document etc.
Preparation of system requirement document and process workflows.
Be a team player and willing to carry out R&D on systems and testing.
Willing to work under pressure and be independent.
Should be creative and consider all facts before designing system / operations process.
Coordination with various Business Groups in designing / conceptualizing the systems / processes / operations /
roll out.
Monitoring the usage and highlight misuse / items which will impact the system.
Upload Resume

Manager - Trade Finance Inland and Foreign

Well versed with Trade Finance Both Inland and Foreign Products & Business Operations and Process.
Working knowledge / Hands-on the systems associated with the said Products / Business.
Knowledge about the competition / best market practices.
System knowledge to cover the Front-end Process, Mapping the Operations and workflow, GL accounting etc.
Understanding of the various direct banking products / channels and their respective system interphase / operations.
Data Migration from one system to another and their impact analysis / gap document etc.
Preparation of system requirement document and process workflows.
Be a team player and willing to carry out R&D on systems and testing.
Willing to work under pressure and be independent.
Should be creative and consider all facts before designing system / operations process.
Coordination with various Business Groups in designing / conceptualizing the systems / processes / operations /
roll out.
Monitoring the usage and highlight misuse / items which will impact the system.
Upload Resume