Wednesday, 8 August 2012

Banking Careers

Banks provide a great career opportunity for graduates with good aptitude and communication skills. Over the next 5 years, Indian public sector banks are expected hire around 7.5 lac entry level professionals.

Getting into a PSU bank job is generally through a competitive examination. The eligibility criteria are very basic and there are no restriction on the course one has done. One could be a technical graduate, management graduate, commerce graduate or for that matter arts graduate to stake a claim for a PSU Bank job. What one has to do is to clear the examination and go through the other selection processes including Group Discussions and Interview which are common for all graduates.

While the eligibility criteria may vary depending on the requirements, typical eligibility criteria is graduation with specific Age criteria. The opportunities for entering in to a bank are multi fold and are as under:

The table below provides the details of expected frequency in notifications for examinations / jobs over the next couple of years.
Category Probationary Officer Specialist Officer Clerical
Common Written Examination – 19 banks Twice a Year Twice a Year Twice a Year
State Bank Once a Year
Once a Year
Associate Banks of State Banks Once a Year
Once a Year
RBI When required When required When required
CWE – RRBs When Required When required When required
NABARD When Required When required When required
Others When Required When required When required

In terms of number of Jobs CWE, State Bank and State Bank associates provide large opportunity for the aspirants. Between these, it is expected that around 6-10 examination opportunities will be presented to the aspirants every year. While all graduates are eligible for PO post, they are also eligible to apply under clerical cadre, where the number of jobs are expected to be higher and hence selection opportunity higher.

Specialist Officers:
Banks require professionals across the spectrum including technology, marketing, agriculture, engineering etc. Those who are professionally qualified in these fields are eligible to stake their claim for a Specialist Officer post. While the number of posts in these are generally lower, this provides a great opportunity for aspirants to continue to be in their line of professional education and pursue a career in the highly attractive banking domain.

Do You Know?
All the CMDs and MDs of Indian PSU Banks joined the PSU Bank as a Probationary Officer or a Clerk (through a similar process of selection – viz. competitive exam, interview etc.). Over their career spanning 25-30 years, they have moved up the ranks to reach the top post. Interestingly, Banks take people at the entry level and help grow up the ladder and do not recruit laterals from competition.

Most of the officer recruited in a Bank are generalist who are given exposure across various banking operations over their career span, enabling an individual to get completely rounded as a thoroughbred professional banker.

General Selection Process:
The general selection process for a PSU Bank job includes:
  1. Applying for a Bank Examination following notification from the relevant institution
    1. IBPS – for Common Written Examination catering to 19 PSU Banks
    2. SBI – for career in SBI / its associates
    3. IBPS – for career in regional rural banks
    4. IDBI / RBI / NABARD – for a job with these institutions
  2. Taking up the examination conducted
    1. Single or double level tests – Aptitude test which is objective followed by descriptive tests for SBI PO/ CWE PO etc.
  3. Those who are selected in the examination go through the further rounds
    1. With respect to CWE, candidates need to apply individually for each of the banks based on their eligibility (w.r.t. qualification, age and cut off marks in CWE)
    2. Generally next steps include Group Discussion and Interview
  4. Those who successfully go through the selection process gets recruited and go through training with the bank

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  1. Thanks for the information. Is there any notification expected soon. Would like to appear for both clerks and officer exams.

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