Are you looking to contribute your expertise to promote rural development through innovative financial products and strategic initiatives? The Haryana State Co-operative Apex Bank (HARCO Bank) is inviting qualified professionals to apply for the position of Resource Person in the Business Diversification and Product Innovation Cell (BDPIC). This is an excellent opportunity for experienced individuals with a background in banking, rural management, or technology to make a meaningful impact in the cooperative banking sector of Haryana and beyond.
HARCO Bank Resource Person Recruitment 2026 – Detailed Job Profile
Overview of the Position
The Haryana State Co-operative Apex Bank Ltd. (HARCO Bank) seeks to appoint two Resource Persons for the Business Diversification and Product Innovation Cell (BDPIC). These professionals will play a pivotal role in designing, developing, and implementing innovative products and strategies to enhance the reach and efficiency of rural financial services within the cooperative credit structure.
Key Details at a Glance
| Advertisement Company Name | Haryana State Co-operative Apex Bank Ltd. (HARCO Bank / Haryana StCB) |
|---|---|
| Post Name | Resource Person – Business Diversification and Product Innovation Cell (BDPIC) |
| No of Posts | 02 (Two Resource Persons) |
| Location | Head Office, Chandigarh |
| Salary | Consolidated remuneration of Rs. 75,000/- per month + incentives (up to 02-02-2027) |
| Application Last Date | 15th January 2026, 5:00 PM |
| Official Website | https://harco.bank.in |
Vacancy Details and Distribution
Post and Cell / Project
| Post Name | Cell / Project | Total Posts | Location | Remuneration | Contract Duration |
|---|---|---|---|---|---|
| Resource Person 1 | Business Diversification and Product Innovation Cell (BDPIC) | 01 | Head Office, Chandigarh | Rs. 75,000/- per month + incentives | Up to 02-02-2027 |
| Resource Person 2 | Business Diversification and Product Innovation Cell (BDPIC) | 01 | Head Office, Chandigarh | Rs. 75,000/- per month + incentives | Up to 02-02-2027 |
Eligibility Criteria for Application
Academic Qualifications
Candidates must meet specific educational standards tailored for each Resource Person position:
- Resource Person 1: Postgraduate degree in Business Management, Rural Management, or Cooperative Management. Candidates with CAIIB certification will have an added advantage.
- Resource Person 2: Graduation in any discipline; technology-savvy candidates with degrees or diplomas in relevant technology fields are preferred.
Work Experience and Background
Applicants should possess a minimum of five years’ relevant experience in the following areas:
- Rural financial institutions, Non-Banking Financial Companies (NBFCs), Microfinance Institutions (MFIs), insurance companies, sales, retail, or other developmental agencies such as SIDBI or NABARD.
- Experience in rural banking practices and designing suitable financial products for rural sectors.
- Prior work in line departments of State or Central Government related to project implementation.
- Research or teaching institutions such as ICAR or CSIR working on rural technology dissemination and development.
Age Limit and Relaxation
- Preferred Age: Less than 50 years (at the time of application). Age relaxation can be considered based on experience, education, and skills.
- Retired or Resigned Officers: Maximum age of 65 years. Application is open to candidates who have held significant positions such as Scale III/IV bankers, executive engineers, associate professors, etc., with relevant experience.
Language and Travel Requirements
Proficiency in the local language is essential, along with a working knowledge of English and Hindi. Candidates should be willing and able to travel extensively across rural and semi-urban areas for field interactions, project assessments, and stakeholder engagements.
Remuneration and Benefits
| Component | Details |
|---|---|
| Monthly Salary | Rs. 75,000/- consolidated remuneration per Resource Person |
| Incentives | Additional incentives as applicable during the project period (up to 02-02-2027) |
| Support Services | Typist, data entry, and office operational support provided by Haryana StCB |
| Contract Duration | Up to 02-02-2027 (contract-based engagement) |
Application Process and Important Dates
How to Apply
Interested candidates must submit their applications in the prescribed format, available alongside the official notification. Applications can be submitted through the following methods:
- Personally, by visiting the office at: Haryana State Co-operative Apex Bank Ltd., Sector-17B, Bank Square, Chandigarh.
- By Post, addressed to the same address.
The envelope should be clearly superscribed with “Application for the Post of Resource Person”.
Required Application Details
Applicants must provide comprehensive information including:
- Full Name, Date of Birth, Gender, Contact Details (address, phone number, email)
- Educational Qualifications (attach photocopies of certificates)
- Detailed professional experience, including organization, duration, role, and reasons for leaving
- Languages known and areas of expertise
- Willingness to travel for field assignments
- Existing affiliations or prior resource person roles, if any
- Development of resource materials or modules (if applicable)
All information provided must be true, complete, and signed with a declaration of accuracy.
Last Date for Application Submission
15th January 2026, 5:00 PM
Selection Process
The selection committee comprises:
- The CEO of HARCO Bank
- A representative from NABARD
- An external banking expert
The process involves:
- Initial screening based on eligibility criteria
- Shortlisting of candidates
- Personal interview with the selection committee
The bank reserves the right to relax age and other criteria based on merit and experience. Final selection will be based on performance in interviews and the suitability of the candidate.
Objective and Role of the BDPIC
Purpose of the Cell
The Business Diversification and Product Innovation Cell aims to:
- Support the integration of innovative financial and non-financial products in cooperative banking
- Assess potential in business profiles and market opportunities
- Conduct market research on new financial products and services
- Develop and re-engineer products to meet evolving member needs
- Explore collaborations with government and private sector entities for co-branded initiatives
- Document success stories for better replication and scaling
- Monitor and report progress periodically
Support Structure and Staffing
The BDPIC will be staffed by two Resource Persons, with support services like typing and data management provided by HARCO Bank. The support team will report to a GM/DGM-level officer overseeing credit or planning functions.
Important Links and Resources
Conclusion
If you possess the right experience and a passion for rural development and financial innovation, this role offers an excellent platform to leverage your expertise for economic upliftment. Ensure that your application reaches the bank before the deadline and showcases your skills, experience, and enthusiasm to serve rural communities effectively.