Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Postgraduate in Finance, Risk Management, Economics, or related field. Minimum 10–15 years of experience in banking/financial institutions with at least 5 years in a senior risk management role Certification in Risk Management (e.g., FRM, CRM) is desirable. Key Responsibilities: Risk Governance & Policy Framework : Develop and maintain a comprehensive Risk Management Policy and Risk Appetite Framework for the Bank. Establish internal controls, policies, and procedures for effective risk management across all departments. Credit Risk Management: Monitor credit portfolio performance, exposure limits, and concentration risks. Ensure credit risk is appropriately assessed in credit proposals, recovery, and restructuring processes. Operational Risk Management: Identify and assess operational risks across branches and departments. Implement Key Risk Indicators (KRIs), risk registers, and incident reporting systems. Market & Liquidity Risk Management: Monitor risks related to interest rate movements, investment portfolio volatility, and asset-liability mismatches. Ensure compliance with liquidity coverage ratio (LCR) and statutory liquidity ratio (SLR) norms. Compliance and Regulatory Oversight: Ensure adherence to RBI guidelines, Cooperative Societies Act, and other applicable laws. Liaise with regulators and auditors on all matters related to risk and compliance. Risk Reporting: Prepare and present periodic risk reports to the Board, Risk Management Committee, and Audit Committee. Escalate material risk exposures or breaches promptly to the Board/Management. Enterprise Risk Management (ERM): Integrate risk management into strategic planning, product development, and change initiatives. Promote a strong risk culture across all levels of the organization. Technology and Cyber Risk: Oversee risk associated with IT infrastructure, cybersecurity, data privacy, and system resilience. Coordinate with the IT department to ensure appropriate safeguards and controls are in place. Capacity Building: Conduct regular risk awareness training for staff and senior management. Foster a culture of risk ownership and proactive risk identification. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Risk Management: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Postgraduate qualification in Human Resource Management / MBA (HR) / Industrial Relations / Labour Laws or equivalent / PGDHRM from a recognized university or institute. Familiarity with cooperative sector operations, HR regulations under RBI, and applicable labour laws. Minimum 10- 15 years of relevant experience in HR, including at least 5 years in a senior HR role, preferably within a Cooperative Bank, Public Sector Bank, or RBI-regulated financial institution. Key Responsibilities: 1. Human Resources Management · Recruitment, selection, and appointment of employees (permanent, contract, daily wage basis). · Preparation and issuance of appointment letters, contracts, and joining formalities. · Maintenance of employee records and personnel files. · Management of staff transfers, promotions, and postings. · Monitoring of biometric attendance system and preparation of monthly attendance records. · Processing and disbursement of salaries, increments, and other emoluments. · Handling leave administration, leave encashment, and absence management. 2. Employee Separation · Processing of resignations, retirements, superannuation, and termination cases. · Execution of full and final settlement of dues including gratuity, PF, leave encashment, etc. · Issuance of experience certificates, service certificates, and relieving letters. 3. Industrial Relations (IR) and Legal · Liaison with recognized staff unions for grievance redressal and industrial harmony. · Handling employee disciplinary matters, show cause notices, charge sheets, and domestic enquiries. · Representing the organization in labor courts and tribunals, coordinating with legal counsel for court cases. · Ensuring compliance with applicable labor laws and employment regulations. 4. Staff Loans Administration · Scrutiny, processing, and sanction of staff loans including: o Vehicle Loans o Housing Loans o Multipurpose Loans · Monitoring timely recovery and maintenance of loan records. 5. Fraud Investigation & Disciplinary Action · Investigation and reporting of staff-related frauds or misconducts. · Coordination with internal audit, vigilance, and legal teams for appropriate action. 6. Staff Welfare & Recreational Activities · Implementation and review of staff welfare policies. · Organization of recreational, cultural, and engagement events for staff morale. · Management of welfare funds and schemes. 7. Contract & Daily Wage Hiring · Hiring of outsourced and temporary manpower as per department requirements. · Preparation of service contracts, compliance checks, and coordination with manpower agencies. 8. Compliance and Statutory Requirements · Ensuring timely filing of returns under PF, ESI, Gratuity, etc., · Maintenance of records under applicable statutes Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Human Resources: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: LL.B. (mandatory); LL.M. or additional certification in Banking Laws preferred. Prior experience in cooperative banking or public sector banking preferred. Enrolment with a Bar Council and eligibility to practice law. Minimum 15 years of experience in legal practice, with at least 5 years in a senior legal role within a bank or financial institution. Key Responsibilities: 1. Legal Advisory & Compliance Advise the Management and Board on legal matters affecting the Bank’s operations and decisions. Ensure compliance with applicable laws and regulations including the Banking Regulation Act, Cooperative Societies Act, RBI Guidelines, SARFAESI Act, Contract Act, etc. Interpret legal provisions and regulatory circulars for internal implementation. 2. Litigation Management Oversee all litigation involving the Bank in civil, criminal, labour, recovery, and consumer forums. Coordinate with external legal counsel and ensure timely filing of replies, appeals, and appearances. Represent the Bank in legal proceedings as required. 3. Loan Documentation & Recovery Vet and approve standard and non-standard legal documentation for loans, securities, mortgages, etc. Ensure enforceability of security documentation under SARFAESI and other applicable laws. Support recovery efforts through legal notices, DRT filings, and auctions under SARFAESI. 4. Contract Management Review and draft agreements, MOUs, NDAs, and contracts with vendors, service providers, and partners. Mitigate contractual risks and ensure protection of the Bank’s legal interests. 5. Regulatory & Statutory Reporting Ensure compliance with RBI and other regulatory directives related to legal matters. Maintain statutory records related to legal cases and Board-level compliance. Respond to legal queries and audits from regulators, statutory auditors, and internal departments. 6. Policy & Risk Framework Draft, review, and update the Bank’s Legal Policy, Recovery Policy, SARFAESI guidelines, etc. Assist in legal risk assessments and advise on potential exposures and mitigations. 7. Team Management & Capacity Building Supervise legal department staff and external advocates. Conduct internal training sessions for employees on legal and regulatory topics. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Legal: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Education: Graduate or Postgraduate degree in Finance, Business Administration, Banking, or a related field. Professional certifications like CAIIB, CA, CS, or ICWA are often preferred. Experience: Minimum of 15-25 years of progressive experience in banking operations, with a significant portion at a senior management level (e.g., GM/DGM) in a commercial or cooperative bank. Experience in cooperative banking is often preferred. Key Responsibilities: Strategic Planning & Implementation: Develop, implement, and review operational policies, procedures, and best practices in alignment with the bank's strategic goals and regulatory requirements (e.g., RBI guidelines). Contribute to the development of annual business plans, setting operational targets for deposits, loans, and other key performance indicators. Identify opportunities for process improvement, cost savings, and enhanced efficiency across all operational areas. Lead and manage strategic projects related to operational transformation, system upgrades, and new technology adoption. Operational Management & Oversight: Oversee all day-to-day banking operations, including but not limited to: Customer service and relationship management. Cash handling, remittances, and payment processing (NEFT, RTGS, IMPS, etc.). Account opening, maintenance, and closure. Loan administration, processing, and recovery. Treasury operations (FX, MM, NDF, Securities settlements). Card operations. Clearing and settlement. Investigations and complaint handling. Static data management. Internet and mobile banking support. Ensure compliance with all internal policies, banking laws, regulations (e.g., PMLA, KYC/AML), and audit requirements. Monitor key operational metrics (KPIs) and prepare regular management information (MI) reports for senior management and the Board. Manage budgets, forecast operational expenditures, and allocate resources effectively. Oversee the physical infrastructure of branches and offices, including renovation, repair, and expansion plans. Risk Management & Compliance: Identify, assess, mitigate, and monitor all operational risks within the bank. Ensure strict adherence to all regulatory guidelines, including those related to liquidity risk, credit risk, and other relevant banking norms. Work closely with internal and external auditors, addressing audit findings and ensuring timely clearance of observations. Act as the "Designated Director" under relevant acts (e.g., PMLA Act), as required. Team Leadership & Development: Lead, mentor, and motivate a team of operations managers and staff. Develop staffing models to optimize workload distribution and ensure cost-effective service delivery. Conduct performance reviews, set goals, and provide ongoing feedback and coaching to employees. Identify training and development needs for the operations team and ensure appropriate programs are implemented. Foster a culture of service excellence, productivity, and continuous improvement within the operations department. Customer Service & Stakeholder Management: Develop and maintain high standards of customer service, ensuring customer satisfaction and efficient resolution of queries and complaints. Build strong relationships with key internal stakeholders (other departments, executive committee) and external stakeholders (correspondent banks, vendors, regulators). Represent the bank in meetings with regulatory bodies and other industry forums, as required. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Manager ( Operations ): 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Bachelors or Master’s degree in Computer Science, Information Technology, or a related field. Professional certifications such as CISA, CISSP, PMP, or equivalent are preferred. 10+ years in IT leadership roles in BFSI or similar sectors Strong knowledge of banking technology systems, RBI regulations, and cyber security protocols. Key Responsibilities: Review and implement all IT policies and procedures to ensure compliance and efficiency. Conduct at least 5 internal trainings annually to enhance team knowledge and skills. Lead and monitor the execution of all IT-related projects from inception to completion. Conduct IS Audit & VAPT (Vulnerability Assessment and Penetration Testing) as per schedule. Coordinate internal IT audits, particularly branch-level audits, with designated auditors. Ensure timely response to RBI requirements and inspections. Prepare and submit Monthly/Quarterly returns like Mobile Returns and ATM Cash out Returns. Conduct regular calendar-based reviews of IT services to optimize usage and performance. Organize and oversee DC & DR half-yearly drills, including SWIFT DR drills to ensure business continuity. Analyze and act on CSOC (Cyber Security Operations Center) reports to strengthen security posture. Plan and implement succession strategies and foster resource development across the IT department. Maintain a robust change management process, ensuring all system changes are properly recorded and approved. Infrastructure & System Management Application & Technical Support Network & Branch Support Data Center & Disaster Recovery Operations Monitoring, Documentation & Reporting Job Type: Full-time Shift: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Information technology: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Essential: Chartered Accountant (CA) / Certified Internal Auditor (CIA) / MBA (Finance) / CISA (for IT Audit exposure) Preferred: Additional qualification in cooperative banking, fraud examination, or banking law Experience: Minimum 15 years in banking/financial services, with at least 5 years in a senior audit role. Experience in cooperative banking or public sector banks is preferred. Strong knowledge of RBI, cooperative banking laws, and risk-based audit frameworks Experience with audit tools, risk assessment systems, and compliance tracking platforms Key Responsibilities: 1. Audit Planning & Strategy Develop and implement a comprehensive risk-based internal audit plan covering branches, departments, and business functions. Present the annual audit plan to the Audit Committee of the Board (ACB) for approval and ensure timely execution. 2. Execution of Audits Oversee all audits: branch audits, departmental audits, IS audits, revenue audits, concurrent audits, and special audits. Ensure adherence to the audit calendar and timely completion of audit cycles. Conduct surprise audits and forensic reviews as and when required. 3. Reporting & Follow-up Submit objective, accurate, and actionable audit reports to the ACB and senior management. Monitor and ensure timely compliance with audit observations and rectification of deficiencies. Maintain an effective issue-tracking and closure mechanism. 4. Regulatory Compliance & Support Ensure compliance with RBI guidelines on Risk-Based Internal Audit (RBIA) and other regulatory circulars. Facilitate internal audits mandated by RBI, NABARD, Registrar of Co-operative Societies, etc. Support regulatory inspections by providing required documents and responses. 5. Risk Assessment & Advisory Identify process weaknesses, fraud risks, and non-compliance areas and recommend preventive/corrective measures. Participate in the strengthening of internal controls, policies, and standard operating procedures (SOPs). Advise management on risk trends and emerging threats. 6. Audit Quality Assurance Establish audit quality standards and review audit methodologies for effectiveness. Periodically update the audit manual in line with best practices and regulatory guidance. Conduct root cause analysis of repeat findings and suggest sustainable solutions. 7. Team Leadership & Capacity Building Lead and manage the internal audit team including concurrent and outsourced auditors. Build a professional and independent audit team with relevant skills. Conduct internal training and knowledge-sharing sessions. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Inspection & Audit : 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Postgraduate in Finance, Economics, or related discipline. Minimum 10 years of banking experience with at least 5 years in treasury operations. Certification in Treasury or Investment Management is desirable. Key Responsibilities: Funds Management: Ensure efficient day-to-day fund management to meet the bank’s operational and regulatory liquidity requirements. Monitor inflows and outflows and maintain an optimal balance between liquidity and return on investments. Investment Portfolio Management: Manage the investment of surplus funds in government securities, bonds, mutual funds, and other permissible instruments. Ensure that investments are made as per the Board-approved Investment Policy and RBI guidelines. Regulatory Compliance: Maintain Statutory Liquidity Ratio (SLR) and Cash Reserve Ratio (CRR) as per RBI norms. File statutory returns related to treasury operations accurately and timely. Asset-Liability Management (ALM): Participate in the ALCO (Asset Liability Committee) and support in managing interest rate and liquidity risk. Monitor mismatches and recommend measures for effective balance sheet management. Dealing Operations: Supervise front office and back office dealing functions. Ensure accurate and ethical dealing in the money market and government securities market. Market Intelligence: Track market trends, interest rate movements, and economic indicators. Provide insights to senior management for strategic decision-making and policy formulation. Policy & Procedure Management: Develop and periodically review Treasury Policy, Investment Policy, and ALM Policy. Ensure implementation of best practices in treasury management. Audit & Risk Controls: Ensure treasury operations are subject to proper internal control, risk management, and audit mechanisms. Facilitate timely reconciliation and settlement of all treasury transactions. Reporting & MIS: Prepare and submit regular reports to the Management, ALCO, Board, and regulators. Maintain accurate and up-to-date records of all treasury transactions and holdings. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Head of Treasury: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Postgraduate in Finance, Risk Management, Economics, or related field. Minimum 10–15 years of experience in banking/financial institutions with at least 5 years in a senior risk management role Certification in Risk Management (e.g., FRM, CRM) is desirable. Key Responsibilities: Risk Governance & Policy Framework : Develop and maintain a comprehensive Risk Management Policy and Risk Appetite Framework for the Bank. Establish internal controls, policies, and procedures for effective risk management across all departments. Credit Risk Management: Monitor credit portfolio performance, exposure limits, and concentration risks. Ensure credit risk is appropriately assessed in credit proposals, recovery, and restructuring processes. Operational Risk Management: Identify and assess operational risks across branches and departments. Implement Key Risk Indicators (KRIs), risk registers, and incident reporting systems. Market & Liquidity Risk Management: Monitor risks related to interest rate movements, investment portfolio volatility, and asset-liability mismatches. Ensure compliance with liquidity coverage ratio (LCR) and statutory liquidity ratio (SLR) norms. Compliance and Regulatory Oversight: Ensure adherence to RBI guidelines, Cooperative Societies Act, and other applicable laws. Liaise with regulators and auditors on all matters related to risk and compliance. Risk Reporting: Prepare and present periodic risk reports to the Board, Risk Management Committee, and Audit Committee. Escalate material risk exposures or breaches promptly to the Board/Management. Enterprise Risk Management (ERM): Integrate risk management into strategic planning, product development, and change initiatives. Promote a strong risk culture across all levels of the organization. Technology and Cyber Risk: Oversee risk associated with IT infrastructure, cybersecurity, data privacy, and system resilience. Coordinate with the IT department to ensure appropriate safeguards and controls are in place. Capacity Building: Conduct regular risk awareness training for staff and senior management. Foster a culture of risk ownership and proactive risk identification. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Risk Management: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Bachelor’s degree in Finance, Commerce, Business Administration, or related field. MBA or professional qualification (CA, CFA, ICMA) preferred. Strong communication and interpersonal. Minimum 10-15 years of experience in credit management, with at least 5 years in a leadership role. Strong understanding of credit appraisal, risk assessment, and advances portfolio management. Knowledge of banking regulations and compliance related to credit and advances. Excellent analytical, decision-making, and leadership skills. Proficient in credit risk software and MS Office applications. Key Responsibilities: Develop and implement credit policies, procedures, and guidelines in line with the bank’s risk appetite and regulatory requirements. Oversee the assessment, sanctioning, and monitoring of all credit proposals and advances to ensure quality and compliance. Manage the credit portfolio to minimize non-performing assets (NPAs) and ensure timely recovery. Lead the credit appraisal team, providing guidance, training, and performance management. Conduct periodic reviews of existing credit exposures and take corrective actions as needed. Coordinate with other departments (Risk, Legal, Compliance, Recovery) to ensure effective credit risk management. Ensure that all credit disbursements are adequately documented and supported by necessary approvals. Analyze market trends, customer creditworthiness, and economic factors impacting credit risk. Prepare and present credit reports, portfolio analysis, and risk assessment to senior management and the Board. Stay updated on regulatory changes and ensure timely implementation in credit processes. Drive credit growth by identifying new business opportunities while maintaining asset quality. Handle escalations and resolve credit-related issues promptly. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Credit ( Advances ): 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Graduate/Postgraduate in Computer Science, Information Systems, Data Analytics, Statistics, or a related field. Experience with BI tools such as Tableau, Power BI, or similar is an added advantage. Minimum 10–15 years of relevant experience in MIS, with at least 5 years in a leadership role, preferably in a cooperative or public sector bank. Knowledge of CBS systems, RBI reporting portals, data analytics tools, and SQL/database management essential. Key Responsibilities: 1. MIS Strategy & Planning Develop and implement an effective MIS framework to support strategic and operational objectives. Ensure integration of MIS with Core Banking System (CBS), Loan Origination System (LOS), and other internal systems for seamless data flow. 2. Data Collection, Processing & Reporting Design, standardize, and maintain reporting formats for daily, weekly, monthly, and quarterly reporting across departments. Ensure timely generation of reports for internal management, Board of Directors, auditors, and regulators. Prepare and submit statutory and compliance reports to RBI, NABARD, State Registrar, etc. 3. Regulatory & Compliance Reporting Ensure all RBI-mandated MIS submissions (e.g., CRILC, XBRL, returns under ADF, etc.) are accurate and timely. Track regulatory changes and incorporate them into reporting frameworks. 4. Performance & Operational Dashboards Develop real-time dashboards and KPIs for key functions such as credit, deposits, NPA tracking, branch performance, etc. Provide analytics support to business heads for performance analysis and forecasting. 5. Data Governance & Quality Maintain high standards of data integrity, consistency, and security across systems. Conduct regular audits and validations of MIS data to identify and correct discrepancies. 6. System Enhancement & Automation Liaise with IT department and software vendors to automate recurring reports. Support implementation of business intelligence (BI) tools, data warehouses, and report automation solutions. 7. Support to Management Assist senior management with ad-hoc analysis, strategic reviews, and Board-level presentations. Provide MIS support for product planning, regulatory inspections, audits, and business strategy. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Management Information Systems: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Postgraduate in Finance, Economics, or related discipline. Minimum 10 years of banking experience with at least 5 years in treasury operations. Certification in Treasury or Investment Management is desirable. Key Responsibilities: Funds Management: Ensure efficient day-to-day fund management to meet the bank’s operational and regulatory liquidity requirements. Monitor inflows and outflows and maintain an optimal balance between liquidity and return on investments. Investment Portfolio Management: Manage the investment of surplus funds in government securities, bonds, mutual funds, and other permissible instruments. Ensure that investments are made as per the Board-approved Investment Policy and RBI guidelines. Regulatory Compliance: Maintain Statutory Liquidity Ratio (SLR) and Cash Reserve Ratio (CRR) as per RBI norms. File statutory returns related to treasury operations accurately and timely. Asset-Liability Management (ALM): Participate in the ALCO (Asset Liability Committee) and support in managing interest rate and liquidity risk. Monitor mismatches and recommend measures for effective balance sheet management. Dealing Operations: Supervise front office and back office dealing functions. Ensure accurate and ethical dealing in the money market and government securities market. Market Intelligence: Track market trends, interest rate movements, and economic indicators. Provide insights to senior management for strategic decision-making and policy formulation. Policy & Procedure Management: Develop and periodically review Treasury Policy, Investment Policy, and ALM Policy. Ensure implementation of best practices in treasury management. Audit & Risk Controls: Ensure treasury operations are subject to proper internal control, risk management, and audit mechanisms. Facilitate timely reconciliation and settlement of all treasury transactions. Reporting & MIS: Prepare and submit regular reports to the Management, ALCO, Board, and regulators. Maintain accurate and up-to-date records of all treasury transactions and holdings. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Head of Treasury: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Education: Graduate or Postgraduate degree in Finance, Business Administration, Banking, or a related field. Professional certifications like CAIIB, CA, CS, or ICWA are often preferred. Experience: Minimum of 15-25 years of progressive experience in banking operations, with a significant portion at a senior management level (e.g., GM/DGM) in a commercial or cooperative bank. Experience in cooperative banking is often preferred. Key Responsibilities: Strategic Planning & Implementation: Develop, implement, and review operational policies, procedures, and best practices in alignment with the bank's strategic goals and regulatory requirements (e.g., RBI guidelines). Contribute to the development of annual business plans, setting operational targets for deposits, loans, and other key performance indicators. Identify opportunities for process improvement, cost savings, and enhanced efficiency across all operational areas. Lead and manage strategic projects related to operational transformation, system upgrades, and new technology adoption. Operational Management & Oversight: Oversee all day-to-day banking operations, including but not limited to: Customer service and relationship management. Cash handling, remittances, and payment processing (NEFT, RTGS, IMPS, etc.). Account opening, maintenance, and closure. Loan administration, processing, and recovery. Treasury operations (FX, MM, NDF, Securities settlements). Card operations. Clearing and settlement. Investigations and complaint handling. Static data management. Internet and mobile banking support. Ensure compliance with all internal policies, banking laws, regulations (e.g., PMLA, KYC/AML), and audit requirements. Monitor key operational metrics (KPIs) and prepare regular management information (MI) reports for senior management and the Board. Manage budgets, forecast operational expenditures, and allocate resources effectively. Oversee the physical infrastructure of branches and offices, including renovation, repair, and expansion plans. Risk Management & Compliance: Identify, assess, mitigate, and monitor all operational risks within the bank. Ensure strict adherence to all regulatory guidelines, including those related to liquidity risk, credit risk, and other relevant banking norms. Work closely with internal and external auditors, addressing audit findings and ensuring timely clearance of observations. Act as the "Designated Director" under relevant acts (e.g., PMLA Act), as required. Team Leadership & Development: Lead, mentor, and motivate a team of operations managers and staff. Develop staffing models to optimize workload distribution and ensure cost-effective service delivery. Conduct performance reviews, set goals, and provide ongoing feedback and coaching to employees. Identify training and development needs for the operations team and ensure appropriate programs are implemented. Foster a culture of service excellence, productivity, and continuous improvement within the operations department. Customer Service & Stakeholder Management: Develop and maintain high standards of customer service, ensuring customer satisfaction and efficient resolution of queries and complaints. Build strong relationships with key internal stakeholders (other departments, executive committee) and external stakeholders (correspondent banks, vendors, regulators). Represent the bank in meetings with regulatory bodies and other industry forums, as required. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Manager ( Operations ): 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Bachelor’s degree in Finance, Commerce, Business Administration, or related field. MBA or professional qualification (CA, CFA, ICMA) preferred. Strong communication and interpersonal. Minimum 10-15 years of experience in credit management, with at least 5 years in a leadership role. Strong understanding of credit appraisal, risk assessment, and advances portfolio management. Knowledge of banking regulations and compliance related to credit and advances. Excellent analytical, decision-making, and leadership skills. Proficient in credit risk software and MS Office applications. Key Responsibilities: Develop and implement credit policies, procedures, and guidelines in line with the bank’s risk appetite and regulatory requirements. Oversee the assessment, sanctioning, and monitoring of all credit proposals and advances to ensure quality and compliance. Manage the credit portfolio to minimize non-performing assets (NPAs) and ensure timely recovery. Lead the credit appraisal team, providing guidance, training, and performance management. Conduct periodic reviews of existing credit exposures and take corrective actions as needed. Coordinate with other departments (Risk, Legal, Compliance, Recovery) to ensure effective credit risk management. Ensure that all credit disbursements are adequately documented and supported by necessary approvals. Analyze market trends, customer creditworthiness, and economic factors impacting credit risk. Prepare and present credit reports, portfolio analysis, and risk assessment to senior management and the Board. Stay updated on regulatory changes and ensure timely implementation in credit processes. Drive credit growth by identifying new business opportunities while maintaining asset quality. Handle escalations and resolve credit-related issues promptly. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Credit ( Advances ): 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Essential: Chartered Accountant (CA) / Certified Internal Auditor (CIA) / MBA (Finance) / CISA (for IT Audit exposure) Preferred: Additional qualification in cooperative banking, fraud examination, or banking law Experience: Minimum 15 years in banking/financial services, with at least 5 years in a senior audit role. Experience in cooperative banking or public sector banks is preferred. Strong knowledge of RBI, cooperative banking laws, and risk-based audit frameworks Experience with audit tools, risk assessment systems, and compliance tracking platforms Key Responsibilities: 1. Audit Planning & Strategy Develop and implement a comprehensive risk-based internal audit plan covering branches, departments, and business functions. Present the annual audit plan to the Audit Committee of the Board (ACB) for approval and ensure timely execution. 2. Execution of Audits Oversee all audits: branch audits, departmental audits, IS audits, revenue audits, concurrent audits, and special audits. Ensure adherence to the audit calendar and timely completion of audit cycles. Conduct surprise audits and forensic reviews as and when required. 3. Reporting & Follow-up Submit objective, accurate, and actionable audit reports to the ACB and senior management. Monitor and ensure timely compliance with audit observations and rectification of deficiencies. Maintain an effective issue-tracking and closure mechanism. 4. Regulatory Compliance & Support Ensure compliance with RBI guidelines on Risk-Based Internal Audit (RBIA) and other regulatory circulars. Facilitate internal audits mandated by RBI, NABARD, Registrar of Co-operative Societies, etc. Support regulatory inspections by providing required documents and responses. 5. Risk Assessment & Advisory Identify process weaknesses, fraud risks, and non-compliance areas and recommend preventive/corrective measures. Participate in the strengthening of internal controls, policies, and standard operating procedures (SOPs). Advise management on risk trends and emerging threats. 6. Audit Quality Assurance Establish audit quality standards and review audit methodologies for effectiveness. Periodically update the audit manual in line with best practices and regulatory guidance. Conduct root cause analysis of repeat findings and suggest sustainable solutions. 7. Team Leadership & Capacity Building Lead and manage the internal audit team including concurrent and outsourced auditors. Build a professional and independent audit team with relevant skills. Conduct internal training and knowledge-sharing sessions. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Inspection & Audit : 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Graduate/Postgraduate in Computer Science, Information Systems, Data Analytics, Statistics, or a related field. Experience with BI tools such as Tableau, Power BI, or similar is an added advantage. Minimum 10–15 years of relevant experience in MIS, with at least 5 years in a leadership role, preferably in a cooperative or public sector bank. Knowledge of CBS systems, RBI reporting portals, data analytics tools, and SQL/database management essential. Key Responsibilities: 1. MIS Strategy & Planning Develop and implement an effective MIS framework to support strategic and operational objectives. Ensure integration of MIS with Core Banking System (CBS), Loan Origination System (LOS), and other internal systems for seamless data flow. 2. Data Collection, Processing & Reporting Design, standardize, and maintain reporting formats for daily, weekly, monthly, and quarterly reporting across departments. Ensure timely generation of reports for internal management, Board of Directors, auditors, and regulators. Prepare and submit statutory and compliance reports to RBI, NABARD, State Registrar, etc. 3. Regulatory & Compliance Reporting Ensure all RBI-mandated MIS submissions (e.g., CRILC, XBRL, returns under ADF, etc.) are accurate and timely. Track regulatory changes and incorporate them into reporting frameworks. 4. Performance & Operational Dashboards Develop real-time dashboards and KPIs for key functions such as credit, deposits, NPA tracking, branch performance, etc. Provide analytics support to business heads for performance analysis and forecasting. 5. Data Governance & Quality Maintain high standards of data integrity, consistency, and security across systems. Conduct regular audits and validations of MIS data to identify and correct discrepancies. 6. System Enhancement & Automation Liaise with IT department and software vendors to automate recurring reports. Support implementation of business intelligence (BI) tools, data warehouses, and report automation solutions. 7. Support to Management Assist senior management with ad-hoc analysis, strategic reviews, and Board-level presentations. Provide MIS support for product planning, regulatory inspections, audits, and business strategy. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Management Information Systems: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: LL.B. (mandatory); LL.M. or additional certification in Banking Laws preferred. Prior experience in cooperative banking or public sector banking preferred. Enrolment with a Bar Council and eligibility to practice law. Minimum 15 years of experience in legal practice, with at least 5 years in a senior legal role within a bank or financial institution. Key Responsibilities: 1. Legal Advisory & Compliance Advise the Management and Board on legal matters affecting the Bank’s operations and decisions. Ensure compliance with applicable laws and regulations including the Banking Regulation Act, Cooperative Societies Act, RBI Guidelines, SARFAESI Act, Contract Act, etc. Interpret legal provisions and regulatory circulars for internal implementation. 2. Litigation Management Oversee all litigation involving the Bank in civil, criminal, labour, recovery, and consumer forums. Coordinate with external legal counsel and ensure timely filing of replies, appeals, and appearances. Represent the Bank in legal proceedings as required. 3. Loan Documentation & Recovery Vet and approve standard and non-standard legal documentation for loans, securities, mortgages, etc. Ensure enforceability of security documentation under SARFAESI and other applicable laws. Support recovery efforts through legal notices, DRT filings, and auctions under SARFAESI. 4. Contract Management Review and draft agreements, MOUs, NDAs, and contracts with vendors, service providers, and partners. Mitigate contractual risks and ensure protection of the Bank’s legal interests. 5. Regulatory & Statutory Reporting Ensure compliance with RBI and other regulatory directives related to legal matters. Maintain statutory records related to legal cases and Board-level compliance. Respond to legal queries and audits from regulators, statutory auditors, and internal departments. 6. Policy & Risk Framework Draft, review, and update the Bank’s Legal Policy, Recovery Policy, SARFAESI guidelines, etc. Assist in legal risk assessments and advise on potential exposures and mitigations. 7. Team Management & Capacity Building Supervise legal department staff and external advocates. Conduct internal training sessions for employees on legal and regulatory topics. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Legal: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Postgraduate qualification in Human Resource Management / MBA (HR) / Industrial Relations / Labour Laws or equivalent / PGDHRM from a recognized university or institute. Familiarity with cooperative sector operations, HR regulations under RBI, and applicable labour laws. Minimum 10- 15 years of relevant experience in HR, including at least 5 years in a senior HR role, preferably within a Cooperative Bank, Public Sector Bank, or RBI-regulated financial institution. Key Responsibilities: 1. Human Resources Management · Recruitment, selection, and appointment of employees (permanent, contract, daily wage basis). · Preparation and issuance of appointment letters, contracts, and joining formalities. · Maintenance of employee records and personnel files. · Management of staff transfers, promotions, and postings. · Monitoring of biometric attendance system and preparation of monthly attendance records. · Processing and disbursement of salaries, increments, and other emoluments. · Handling leave administration, leave encashment, and absence management. 2. Employee Separation · Processing of resignations, retirements, superannuation, and termination cases. · Execution of full and final settlement of dues including gratuity, PF, leave encashment, etc. · Issuance of experience certificates, service certificates, and relieving letters. 3. Industrial Relations (IR) and Legal · Liaison with recognized staff unions for grievance redressal and industrial harmony. · Handling employee disciplinary matters, show cause notices, charge sheets, and domestic enquiries. · Representing the organization in labor courts and tribunals, coordinating with legal counsel for court cases. · Ensuring compliance with applicable labor laws and employment regulations. 4. Staff Loans Administration · Scrutiny, processing, and sanction of staff loans including: o Vehicle Loans o Housing Loans o Multipurpose Loans · Monitoring timely recovery and maintenance of loan records. 5. Fraud Investigation & Disciplinary Action · Investigation and reporting of staff-related frauds or misconducts. · Coordination with internal audit, vigilance, and legal teams for appropriate action. 6. Staff Welfare & Recreational Activities · Implementation and review of staff welfare policies. · Organization of recreational, cultural, and engagement events for staff morale. · Management of welfare funds and schemes. 7. Contract & Daily Wage Hiring · Hiring of outsourced and temporary manpower as per department requirements. · Preparation of service contracts, compliance checks, and coordination with manpower agencies. 8. Compliance and Statutory Requirements · Ensuring timely filing of returns under PF, ESI, Gratuity, etc., · Maintenance of records under applicable statutes Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Human Resources: 10 years (Preferred) Work Location: In person

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Bachelors or Master’s degree in Computer Science, Information Technology, or a related field. Professional certifications such as CISA, CISSP, PMP, or equivalent are preferred. 10+ years in IT leadership roles in BFSI or similar sectors Strong knowledge of banking technology systems, RBI regulations, and cyber security protocols. Key Responsibilities: Review and implement all IT policies and procedures to ensure compliance and efficiency. Conduct at least 5 internal trainings annually to enhance team knowledge and skills. Lead and monitor the execution of all IT-related projects from inception to completion. Conduct IS Audit & VAPT (Vulnerability Assessment and Penetration Testing) as per schedule. Coordinate internal IT audits, particularly branch-level audits, with designated auditors. Ensure timely response to RBI requirements and inspections. Prepare and submit Monthly/Quarterly returns like Mobile Returns and ATM Cash out Returns. Conduct regular calendar-based reviews of IT services to optimize usage and performance. Organize and oversee DC & DR half-yearly drills, including SWIFT DR drills to ensure business continuity. Analyze and act on CSOC (Cyber Security Operations Center) reports to strengthen security posture. Plan and implement succession strategies and foster resource development across the IT department. Maintain a robust change management process, ensuring all system changes are properly recorded and approved. Infrastructure & System Management Application & Technical Support Network & Branch Support Data Center & Disaster Recovery Operations Monitoring, Documentation & Reporting Job Type: Full-time Shift: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Information technology: 10 years (Preferred) Work Location: In person