Bank of Baroda: MSME Department Recruitment 2024

Bank of  Baroda has invited applications for - MSME Department . Today we are providing a syllabus and interview preparation for the exam.

Important Dates

Particulars	Date
Commencement date of on-line application	12.06.2024
Last Date of the online application	02.07.2024
Date of Online Examination	Shall be advised shortly

                                            Download Notification

Number of Vacancies

Post / s	Minimum Age	Maximum Age (as on 01.06.2024)	Total Vacancies
Zonal Sales Manager – MSME Business	32	48	1
Zonal Sales Manager – MSME - CV/CME	32	48	1
Zonal Sales Manager – MSME - LAP/ Unsecured Business	32	48	1
Assistant Vice President MSME - Sales	28	40	17
Assistant Vice President MSME - Sales CV/CME Loans	28	40	3
Senior Manager MSME – Sales	25	37	7
Senior Manager MSME – Sales CV/CME Loans	25	37	4
Senior Manager MSME – Sales LAP/ Unsecured Business Loans	25	37	1
Senior Manager MSME – Sales Forex ( Export/Import Business)	25	37	10
Manager MSME - Sales	22	35	11

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Relaxation in Age Limit

Sr.	Category		Age relaxation (in years)
1	Scheduled Caste/ Scheduled Tribe		5 years
2	Other Backward Classes (Non-Creamy Layer)		3 years
3	Persons with Benchmark Disabilities (PwBD)	PwBD (SC/ST)	10 years
		PwBD (OBC)	8 years
		PwBD (GEN/EWS)	5 years
4	Persons affected by 1984 riots		5 years
5	Ex-servicemen, Commissioned Officers including Emergency Commissioned Officers (ECOs)/ Short Service Commissioned Officers (SSCOs) who have rendered at least 5 years military service and have been released on completion of assignment (including those whose assignment is due to be completed within one year from the last date of receipt of application) otherwise than by way of dismissal or discharge on account of misconduct or inefficiency or physical disability attributable to military service or invalidment	PwBD (SC/ST)	10 years
		PwBD (OBC)	8 years
		PwBD (GEN/EWS)	5 years

Qualification & Experience (As on 01.06.2024)

Posts	Qualifications	Work Experience
Zonal Sales Manager - MSME Business	Mandatory – Graduate in any discipline Preferred – Post-Graduation Degree/Diploma in Management in Banking/ Sales / Marketing/ Credit/ Finance	Minimum 12 Years of experience In sales of assets side preferably in MSME Business. Candidates having leadership experience as under will be preferred: (1) Team handling of more than 20 sales employees (2) As Sales Head / Area Sales Manager etc. covering more than 2 centers
Zonal Sales Manager - MSME- CV/CME	Mandatory – Graduate in any discipline Preferred – Post-Graduation Degree/Diploma in Management in Banking/ Sales / Marketing/ Credit/ Finance	Minimum 12 Years of experience In sales of assets side preferably in commercial Vehicles (CV) / Commercial Mining Equipment (CME) Loans . Candidates having leadership experience as under will be preferred: (1) Team handling of more than 10 sales employees (2) As Sales Head / Area Sales Manager etc. covering more than 2 centers
Zonal Sales Manager - MSME- LAP/ Unsecured Business	Mandatory – Graduate in any discipline Preferred – Post-Graduation Degree/Diploma in Management in Banking/ Sales / Marketing/ Credit/ Finance	Minimum 12 Years of experience In sales of assets side preferably  MSME Loan Against Properties / Unsecured Loan Business. Candidates having leadership experience as under will be preferred: (1) Team handling of more than 10 sales employees (2) As Sales Head / Area Sales Manager etc. covering more than 2 centers
Assistant Vice President MSME - Sales	Mandatory – Graduate in any discipline Preferred – Post-Graduation Degree/Diploma in Management in Banking/ Sales / Marketing/ Credit/ Finance	Minimum 8 years of experience in Sales of Assets preferably in Sales of MSME Loans with Bank's / NBFC's / Financial Institution's in India.
Assistant Vice President MSME - Sales CV/CME Loans	Mandatory – Graduate in any discipline Preferred – Post-Graduation Degree/Diploma in Management in Banking/ Sales / Marketing/ Credit/ Finance	Minimum 8 years of experience in Sales of Assets preferably in Sales of Commercial Vehicles (CV) / Commercial Mining Equipment (CME) Loans with Bank's / NBFC's / Financial Institution's in India.
Senior Manager MSME – Sales	Mandatory – Graduate in any discipline Preferred – Post-Graduation Degree/Diploma in Management in Banking/ Sales/ Forex/ Marketing/ Credit	Minimum 5 years of experience in Sales of Assets preferably in Sales of MSME Loans with Bank's / NBFC's / Financial Institution's in India
Senior Manager MSME - Sales CV/CME Loans	Mandatory – Graduate in any discipline Preferred – Post-Graduation Degree/Diploma in Management in Banking/ Sales/ Forex/ Marketing/ Credit	Minimum 5 years of experience in Sales of Assets preferably in Sales of Commercial Vehicles (CV) / Commercial Mining Equipment (CME) Loans with Bank's / NBFC's / Financial Institution's in India.
Senior Manager MSME - Sales LAP/ Unsecured Business Loans	Mandatory – Graduate in any discipline Preferred – Post-Graduation Degree/Diploma in Management in Banking/ Sales/ Forex/ Marketing/ Credit	Minimum 5 years of experience in Sales of Assets preferably in Sales of Loan Against Property / Unsecured Loans with Bank's / NBFC's / Financial Institution's in India.
Senior Manager MSME - Sales Forex (Export/Import Business)	Mandatory – Graduate in any discipline Preferred – Post-Graduation Degree/Diploma in Management in Banking/ Sales/ Forex/ Marketing/ Credit	Minimum 5 years of experience Sales of Forex / Export Business with any Bank / Financial Institutions in India.
Manager MSME -Sales	Mandatory – Graduate in any discipline Preferred – Post-Graduation Degree/Diploma in Management in Banking/ Sales/ Forex/ Marketing/ Credit	Minimum 2 years of experience in Sales of Assets preferably in Sales of MSME Loans with Bank's / NBFC's / Financial Institution's in India

Note:   The educational qualifications shall be obtained from Institute recognized by AICTE/UGC/Government. 

Credit History: The candidate applying shall ensure that, they maintain a healthy Credit history and shall have a minimum CIBIL score of 650 or above at the time of joining. 

The minimum credit score will be as per the Banks policy, amended from time to time.

Nature of Employment

The engagement under the contract is for a period of three (-3-) years or upto attaining the age of -62- years, whichever is earlier and can be subsequently renewed yearly for -1- year each in such a manner that the total engagement period is not more than -5- year, subject to satisfactory performance at the discretion of the Bank. (subject to maximum age as -62- years).

Selection Procedure

• Selection will be based on short listing and subsequent round of Personal Interview and/or any other selection method.
• Bank reserves the right to change (cancel/ modify/ add) any of the criteria, method of selection and provisional allotment etc.
• The Bank reserves its right to call candidates in a particular ratio, at its sole discretion, as per the Bank’s requirement.
• Adequate number of candidates as decided by the Bank will be shortlisted based on their qualification, experience and overall suitability for Interview. Most suitable candidates will be called for the selection process (PI/any other selection method) and merely applying / being eligible for the post does not entitle the candidate to be eligible for the selection process.
• The qualifying marks in Interview/selection procedure will be decided by the Bank.
• A candidate should qualify in all the processes of selection i.e. Personal Interview and/or other selection method (as the case may be) and should be sufficiently high in the merit to be shortlisted for subsequent process.
• In case more than one candidate scores the cut off marks (common mark at cut off point), such candidates will be ranked according to their age in descending order.
• Bank reserves the right to consider the candidature of the candidate to any other position mentioned in this advertisement other than for which he/she has applied for, subject to the condition that the candidate fulfil the eligibility criteria prescribed for the position for which the candidate is considered for.
• Bank reserves the right to combine two or more similar position/s as one position, if necessitated. 

Syllabus

Professional Knowledge

Module A
Overview of Credit

• Principles of lending
• Credit policy
• Types of borrowers & types of credit facilities
• Credit delivery
• Credit Appraisal
• Credit rating

Module B
Analysis of Financial Statements

• Basics of Financial Statements
• Ratio analysis
• Cash flow statement
• Fund flow statement
• Project appraisal
• Working capital management

Module C
Financial management

• Indian Financial System
• Regulatory bodies in India
• Money market and Capital market instruments
• Time value of money
• Basics of derivatives
• Leverages
• Capital budgeting

Module D
Other credits

• Export Finance
• Priority sector lending
• Non-fund based Credit Facilities
• Government-sponsored schemes
• Retail loans

Module E
Management of Impaired assets

• Documentation
• IRAC norms
• Types of charges
• Management of impaired assets
• IBC 2016
• SARFAESI ACT

Module F
RBI circulars and related laws

• RBI circulars (1 year)
• Companies act
• Contract act 1872
• Banking regulation 1949
• RBI act 1934
• Negotiable Instruments Act 1881
• Payment and Settlement Act 2007

Banking Present Economic Scenario General Awareness

• Banking Reforms
• Regulatory Bodies in India- NABARD, SEBI etc.
• International Banking
• Latest circulars of RBI and SEBI
• Latest Updates in Financial & Capital Markets
• Financial Terms
• Banking Terms
• Latest Acts related to Banking
• Priority Sector Lending
• NPA - latest news
• SARFAESI Act
• RBI Monetary Policy
• Capital & Money Market Instrument
• Commercial Banks, NBFCs, HFC - Latest news
• Mergers and Acquisitions in Banking Companies
• Credit Rating and Agencies
• Payment Options- NEFT, RTGS, Bharat Bill payment etc.
• Complete List of Obituaries
• Recently Appointed Brand Ambassadors List
• Monthly GK Digests
• Ministry of Cabinet Ministers
• Renamed Govt. Schemes, Cities, Airports & Railway Stations
• Indian Financial System
• Financial market instruments
• International reports and indices
• Important committees
• Foreign investment and trade
• Growth numbers by various organization
• Union budget
• Latest mergers and MOUs of banks and financial institutions
• Heads of various financial organizations
• Mutual Funds
• Basel Norms
• Regulatory organizations: SEBI/NABARD/RBI
• Joint Military Exercises of India
• List of Summits and Conferences
• India's Rankings in Different Indices
• List of Appointments
• List of Important Days With Themes
• List of MoUs signed by India
• Upcoming Sports Event From
• List of Sports Events & Winners
• Awards and Honours

BOB  - MSME Department Interview Preparation  Course by Team BankExamsToday

Team BankExamsToday is offering is a full-fledged, comprehensive, and systematic course for the preparation of the Bank of Baroda exams.

Course features

• Daily video classes
• Study Material
• Live sessions
• Special attention to Professional Knowledge section from Day 1
• One to One mock interview sessions
• Interview preparation guide

Call/WhatsApp - 9067201000

Bank of Baroda - MSME Department & Interview Preparation Course.