Important Dates
|
Particulars |
Date |
|---|---|
|
Commencement date of on-line application |
10.10.2025 |
|
Last Date of the online application |
30.10.2025 |
| Date of Online Examination | Tentative |
Number of Vacancies
Post / s | Minimum Age | Maximum Age (as on 01.10.2025) | Total Vacancies |
Manager Credit Analyst Scale II | 25 | 30 | 1 |
Senior Manager Credit Analyst Scale III | 28 | 35 | 25 |
Chief Manager Credit Analyst Scale IV | 32 | 42 | 2 |
Senior Manager C & IC Relationship Manager Scale III | 28 | 35 | 16 |
Chief Manager C & IC Relationship Manager Scale IV | 32 | 42 | 6 |
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) |
Gen/EWS |
10 years |
|
(OBC) |
13 years |
||
|
SC/ST |
15 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 |
Gen/EWS |
5 years |
|
OBC |
8 years |
||
|
SC/ST |
10 years |
||
Maximum age indicated is for General category candidates as on 01.10.2025.
Qualification & Experience (As on 01.10.2025)
Posts | Qualifications | Experience |
|---|---|---|
Manager Credit Analyst Scale II | Mandatory: Graduation (in any discipline) and Post Graduate Degree/Diploma with Specialization in Finance or equivalent to Finance OR CA / CMA / CS / CFA. | Minimum -03- Years work experience in Credit in any Public / Private / Foreign Banks / NBFC in India |
Senior Manager Credit Analyst Scale III | Mandatory: Graduation (in any discipline) and Post Graduate Degree/Diploma with Specialization in Finance or equivalent to Finance OR CA / CMA / CS / CFA | Minimum -06- Year Experience in Credit in any Public / Private / Foreign Banks/ Financial Institutions in India |
Chief Manager Credit Analyst Scale IV | Mandatory: Graduation (in any discipline) and Post Graduate Degree/Diploma with Specialization in Finance or equivalent to Finance OR CA / CMA / CS / CFA | Minimum -08- Year Experience in any Bank with at least 5 years of exposure in Credit Appraisal/ Processing in Large/ Mid Corporate Credit in Public / Private / Foreign Banks/ Financial Institutions |
Senior Manager C & IC Relationship Manager Scale III | Mandatory: Graduation (in any discipline) and Post Graduate Degree/Diploma with Specialization in Finance or equivalent to Finance OR CA / CMA / CS / CFA | Minimum -06- Year Experience in Public / Private / Foreign Banks/ Financial Institutions with at least 2 years exposure in Sales /Relationship Management in Corporate Credit |
Chief Manager C & IC Relationship Manager Scale IV | Mandatory: Graduation in any discipline and Post Graduate Degree/Diploma with Specialization in Finance or equivalent to Finance OR CA / CMA / CS / CFA | Minimum -08- Years of work experience in Public / Private / Foreign Banks/ Financial Institutions with at least 4 years exposure in Sales /Relationship Management in Corporate Credit |
Note: The educational qualifications must be from the college/university recognized by the Government of India/AICTE
Probation Period & Service Bond
Credit History
- Candidates must possess a satisfactory credit record with a minimum CIBIL score of 680 at the time of joining, in line with the Bank’s policy. Those with loan or credit defaults, or adverse reports from CIBIL/other rating agencies, will be considered ineligible. The Bank reserves the right to cancel candidature at any stage, including post-joining, if the credit profile does not meet its standards.
Selection Procedure
- Selection may include Online Test, Psychometric Test, GD, and/or Interview.
- Tests assess personality, communication, problem-solving, adaptability, and suitability.
- Bank can change the selection process/criteria at any stage.
- Eligibility does not guarantee interview; shortlisting depends on merit and suitability.
- Candidates must check Bank’s website/email for updates.
|
Section |
Name of the Tests |
No. of Questions |
Maximum Marks |
Duration |
|---|---|---|---|---|
|
1 |
Reasoning |
25 |
25 |
75 Minutes |
|
2 |
English Language |
25 |
25 |
|
|
3 |
Quantitative Aptitude |
25 |
25 |
|
|
4 |
Professional Knowledge |
75 |
150 |
75 Minutes |
|
|
Total |
150 |
225 |
150 Minutes |
- The above Sections / Tests except the Test of English Language will be available bilingually, i.e. English and Hindi.
- Section/Test 1, 2 & 3 are qualifying in nature and marks secured in these sections will not be reckoned for final result. The minimum qualifying marks/percentage of marks in each of the section would be 40% for General & EWS Category and 35% for Reserved Categories. However, the Bank reserves the right to change the minimum/ waive off qualifying criteria at its sole discretion
- There will be no negative marking for any of the section of the Online Test for wrong answers. If a question is left blank, i.e. no answer is given by the candidate, there will be no penalty for that question.
- GD/PI Call: Based on performance in the online test; Bank decides ratio of candidates.
- Online Test: Must clear sectional & overall cut-off to qualify for next stage.
- Tie-Breaker: If marks are same at cut-off, older candidate gets preference.
- Assessment: Psychometric/GD/PI test personality, communication, problem-solving, adaptability, and suitability.
- Qualifying Marks: 60% (General), 55% (Reserved) in GD/PI (subject to change by Bank).
- Final Selection: Based on combined scores of Online Test + GD/PI (or other adopted methods).
- Non-Qualifiers: GD/PI scores of those failing cut-off will not be disclosed.
- Merit Requirement: Must qualify in all stages and rank high in merit for allotment.
- Vacancy Condition: Final shortlisting depends on category-wise vacancies.
Syllabus
Reasoning
- Machine Input Out
- Puzzles
- Seating Arrangement
- Order and Ranking
- Inequalities
- Statement and Assumptions
- Statement and Conclusion
- Coding-Decoding
- Cause and Effect
- Statement and Argument
- Venn Diagram/Syllogism
- Blood Relation
- Direction and Distance
English Language
- Reading Comprehensions
- Para Jumbles
- Para Completion
- Vocabulary
- Error Spotting
- Sentence Improvement
- Cloze test
- Rearrangement of sentences
Quantitative Aptitude
- Data Interpretation
- Boats and Streams
- Time and Work
- Time, Speed, and Distance
- Partnership
- Mixtures and Alligation
- Ages and Average
- Profit and Loss
- Percentage and Interest
- Problems on Trains
- Pipes and Cisterns
- Area and Volume
- Number Series
- Linear equations
- Quadratic equations
- Data sufficiency
Professional Knowledge: (Credit Analyst)
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
- Basel Norms
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
Module G: Financial Awareness
- Monetary Policy Updates
- Financial Institution in India
- Mergers & Acquisitions in Banking Sector
- Digital Banking Developments
- Important Banking Terms & Abbreviations
Professional Knowledge (Relationship Manager)
Module A Marketing Management
- Marketing Management
- Marketing Planning and Strategies
- Marketing Types
- Product Management
- Pricing Decisions
- Distribution Strategy
- Promotion Mix and Sales
- Brand Management
- Marketing Research
- Digital Marketing
Module B Laws
- NI act
- Coinage act
- IBC
- SARFAESI
- MSMED act
- BR act
- RBI act
- Consumer protection act
- RTI act
Module C RBI circulars and Master Circulars
- Priority sector lending
- KYC
- Basel Norms
- Exposure Norms
- Housing Finance
- Sovereign Gold Bonds
- SHG–Bank Linkage Programme
- IRAC norms
Module D Financial Management
- Ratio analysis
- Working capital committees
- Capital budgeting
- Indian Financial System
- Regulatory bodies in India
Module E Government Schemes
- PM Vishwakarma
- PM Awas Yojana (Urban & Rural)
- PM SVANidhi
- PM Mudra Yojana
- PM Jan Dhan Yojana
- PM Jeevan Jyoti Bima Yojana
- MSME Samadhaan Scheme
- PM Surya Ghar: Muft Bijli Yojana
- PMEGP, CGTMSE
- Union Budget
Module F Financial Awareness
- Capital market and money market instruments
- Foreign currency accounts
- Remittances
- News related to banking
- Monetary Policy Updates
- Mergers & Acquisitions in Banking Sector
- Digital Banking
- Developments
- Important Banking Terms &
- Abbreviations
BOB BOB Credit Analyst & Relationship Manager Course by Team BankExamsToday
- Daily video classes
- Study Material
- Special attention to Professional Knowledge section from Day 1
- 10 full-length mock tests
- Interview preparation guide
