Are you interested in contributing to the innovative growth of rural banking and financial services in India? The Haryana State Cooperative Apex Bank Ltd. (HARCO Bank) is hiring Resource Persons on a contractual basis to establish and operate the Business Diversification and Product Innovation Cell (BDPIC). This is a unique opportunity for experienced professionals to work with a premier cooperative bank supported by NABARD and make a meaningful impact in rural development and financial inclusion. Below is a comprehensive job description outlining all essential details, eligibility criteria, application process, and benefits associated with this prestigious role.
HARCO Bank Resource Persons Recruitment 2026 – Detailed Job Description
Organization Overview
The Haryana State Cooperative Apex Bank Ltd. (HARCO Bank), headquartered in Chandigarh, is a Scheduled Bank dedicated to supporting cooperative institutions across Haryana. The bank operates under the framework of cooperatives and aims to foster rural financial development, product innovation, and technological advancement through strategic resource deployment.
Position Overview
The bank invites applications for 2 Resource Persons to work within the Business Diversification and Product Innovation Cell (BDPIC) at its Head Office in Chandigarh. These professionals will play a key role in designing and implementing diversified financial and non-financial products tailored for rural cooperatives, thereby enhancing the bank’s service offerings and operational efficiency.
Key Responsibilities
| Responsibility | Description |
|---|---|
| Product Innovation | Designing new financial products and services suited to rural needs; assessing market potential; piloting innovative solutions. |
| Business Diversification | Identifying opportunities for expanding the bank’s business portfolio beyond traditional offerings. |
| Research & Development | Conducting market research and feasibility studies to understand rural financial ecosystems and technological advancements. |
| Coordination & Collaboration | Working with internal departments and external agencies such as NABARD and other financial institutions to develop collaborative projects. |
| Training & Capacity Building | Training staff and stakeholders on new products and innovative practices for effective implementation. |
| Reporting & Documentation | Prepare detailed reports, proposals, and presentations for management and partner agencies. |
Vacancy Details
| Post | Total Vacancies | Location | Preferred Background |
|---|---|---|---|
| Resource Person 1 | 1 (Indicative) | Head Office, Chandigarh | Former bank officer with rural banking experience |
| Resource Person 2 | 1 (Indicative) | Head Office, Chandigarh | Graduation in any discipline |
Eligibility Criteria
Educational Qualifications
- Resource Person 1: Post Graduate degree in Business Management, Rural Management, or Cooperative Management. CAIIB qualification is advantageous.
- Resource Person 2: Graduation in any discipline from a recognized university.
Technical & Professional Skills
- Working knowledge or degree/diploma in technology is desirable.
- Proficient in local languages (Hindi/Punjabi) and conversant in English/Hindi.
Experience Requirements (Minimum 5 Years)
| Experience Domain | Description |
|---|---|
| Rural Financial Institutions / NBFCs / MFIs / Insurance / Sales & Retail / Development Sectors | Experience with rural banking practices, microfinance, or related fields. Former bankers should have experience at branch and decision-making levels (Scale III/IV). |
| Government Departments | Project implementation experience in line departments at state or central government levels. |
| Research & Development | Research or teaching experience in rural technologies through ICAR, CSIR, etc., with a focus on development and dissemination of rural innovations. |
Age Limit
- Preferred: Less than 50 years (relaxation based on experience and other factors).
- Retired or Resigned Officers: Up to 65 years, with relevant experience.
Additional Requirements
- Willingness to travel extensively across rural areas.
- Ability to execute bonds as per bank terms.
- Sound knowledge of Indian rural economy and socio-economic conditions.
Salary & Benefits
| Post | Remuneration | Additional Benefits |
|---|---|---|
| Resource Person | ₹75,000 per month (consolidated) + incentives | Office support, typing/data entry services provided by the bank |
Selection Process
The selection process involves multiple stages designed to identify the most suitable candidates:
- Screening of applications: Based on eligibility and experience.
- Interview: Conducted by a selection committee comprising the CEO of StCB, a NABARD representative, and external banking experts.
- Final Selection: Based on interview performance and overall credentials.
Application Procedure
Interested candidates are advised to follow the steps below to apply:
- Visit the official website www.harco.bank.in to download the detailed notification and prescribed application proforma.
- Fill out the application form carefully, ensuring all relevant details are accurately provided.
- Prepare the following documents for submission:
- Educational certificates and degrees
- Experience certificates (minimum 5 years)
- Age proof document
- Updated resume/CV highlighting rural banking and product innovation experience
- Any other supporting documents as per the proforma (e.g., language proficiency, willingness to travel).
- Deliver the completed application along with supporting documents either personally or via post to: The Haryana State Cooperative Apex Bank Ltd.
- Envelope should be super scribed with “Application for the Post of Resource Person”.
- Application submissions should reach the bank by the deadline: 07 February 2026, 5:00 PM. Late applications will not be entertained.
S.C.O. No.78-80, Bank Square,
Sector-17B, Chandigarh,
P.B. No.7
Important Notifications
- Candidates who applied earlier in response to advertisement dated 01/01/2026 need not re-apply.
- The bank reserves the right to cancel or modify the recruitment process at any stage without assigning any reason.
- Applicants are advised to regularly check the official website for updates regarding call letters, interview schedules, and final results.
Additional Resources
For detailed terms and conditions, please refer to the official PDF notification:
Download Official Notification (PDF)
Important Dates Recap
| Event | Date |
|---|---|
| Advertisement/Notification Release | 01/01/2026 |
| Application Start Date | January 2026 (ongoing) |
| Application Last Date | 07/02/2026 (5:00 PM) |
| Selection Process | Screening + Interview (Dates to be announced) |
This position offers a significant opportunity for experienced professionals passionate about rural development and financial innovation to contribute meaningfully to Haryana’s cooperative banking landscape. Prepare your application diligently and ensure timely submission to seize this chance.