SBI Recruitment of Specialist Cadre Officer on Regular& Contract Basis 2022

Details of Post & Vacancy:

Advertisement No: CRPD/SCO/2022-23/23

This Advertisement regarding Manager – Project-Digital Payments, Products-Digital Payments/Cards, Products-Digital Platforms

Basic Qualification:

B.E./B.Tech in any discipline, or MCA, or MBA/PGDM, or Equivalent a full-time course from a recognized institute (Minimum Percentage of Marks: 60%)

Preferred Qualification:

Manager (Projects-Digital Payments): Project Management Professional (PMP) by PMI, or PRINCE2 practitioner

Manager (products): Not required Preferred Qualification

Age Limit:

• Age limit for Manager (Project-Digital Payments, Products-Digital Payments/Cards, Products-Digital Platforms)  As of 31/08/2022 – Minimum Age 28 Years and Maximum Age 35 Years.
• Age limit for Manager (Credit Analyst) as of 30/06/2022 – Minimum Age 25 Years and Maximum Age 35 Years.
• Age limit for Circle Advisor (Central Armed Police Forces) – Contractual as of 01/11/2022 –  Maximum Age 62 Years (Born not Before 02/11/1960)

For Post-Manager (Projects-Digital Payment):

Experience As on 31/02/2022

Minimum 5 years post-qualification experience in Project Management in Digital Payments in Banking/ Financial Institutions/ Acquiring/ Issuance/ Automatic Fare Collection (AFC)/ Transit Projects/ Smart Cities.

Specific Skills Desired

•  Project Management Skills
• Expertise in Financial Modelling
• Excellent Communication
• Skills(Verbal as well as written)
• Problem Solving Attitude
• Analytical Thinking
• Experience in working in Digital Payments Systems
• Proficiency in MS Office applications, especially in MS Excel.

Job Profile

Bid Management:

• Tender Evaluation, Analyzing suitable solution providers, system integrators, Vendors, and preparation of bids.
• Conducting preliminary studies for revenue and cost assessment for the projects
•  Financial Analysis and Budgeting of the project

Project Management:

• Planning & scheduling the project implementation to ensure timely implementation of the Project
• Planning of BOQ and manpower requirement
• Stakeholder management for better coordination and interaction between all the stakeholders involved in the project-multiple departments in the Bank, Partners, and Systems Integrators
• Monitoring, controlling, and managing the scope of work, activities, and deliverables
• Ensuring compliance per the contract

New Initiatives:

• Drive digital payments strategy in alignment with SBI’s payments roadmap.
•  Responsible to develop new businesses and partnership opportunities

KRA

• Independently managing projects in the Digital Payments system
• Periodic project reviews
• Adherence to the SLA of the projects
• New Product development and process enhancement

For Post-Manager (Products-Digital Payment/ Cards)

Experience As on 31/02/2022

Minimum 5 years post-qualification experience in Card Industry/ FINtech/ Digital Payments in Banking/ Financial Institutions/ Acquiring/ Issuance

Specific Skills Desired

• Technical skills in cards/digital payments/BBPS
• Excellent Communication Skills (Verbal as well as written)
• Functional skills to handle digital projects across all existing platforms
• Analytical Thinking
• Experience in working in BBPS/ Digital Payments Systems
• Proficiency in MS Office applications, especially in MS Excel.

Job Profile

• Managing new partnerships/tie-ups/alliances for Debit and prepaid cards
• Analyzing market requirements in comparison with competitor products and arranging for product review/innovation/improvement. Analyzing the requirements and creating and arranging for marketing campaigns in association with leading projects online/offline and also with card networks-VISA, Mastercard, and NPCI, to increase card spending and card activation.
• Raising demands with SBI’s IT Centre for custom integration, rolling out new initiatives/features and they’re following up till rollout.
• Introduction of additional digital payment options for Debit Cards/FTC/PPI on Smart City Projects, co-Branded Cards, SBIFASTag, Metro Projects, etc.
• Managing Enterprise-wide Loyalty Rewards program, Bharat Bill Payment System, Cheque Deposit Kiosks, Parliament House Project, etc.
• Nodal Department for compliance with RBI directives on Harmonisation of TAT for failed transactions.
• Nodal Department for the rollout of the Online Dispute Resolutions(ODR) system

KRA

• Identify business opportunities and align them to specific technical/ software requirements.
• Strategizing digital channels for the generation of business by collaborating
  with channel partners, business, and IT departments.
• Optimize acquisition costs and plug efficiency leakages by constantly
  innovating/ refining the customer/merchant touchpoints.

For Post-Manager (Projects-Digital Platform)

Experience As on 31/02/2022

Minimum 5 years post-qualification experience in Card Industry/ FINtech/ Digital Payments in Banking/ Financial Institutions/ Acquiring/ Issuance

Specific Skills Desired

• Technical skills in cards/digital payments/BBPS
• Excellent Communication Skills (Verbal as well as written)
• Functional skills to handle digital projects across all existing platforms
• Analytical Thinking
• Experience in working in BBPS/Digital Payments Systems
• Proficiency in MS Office applications, especially in MS Excel.

Job Profile

• Analyzing and evaluating the current business process of SBI Unipay and identifying areas of improvement.
• Researching and reviewing updated business processes and new IT advancements to make systems more customer friendly and usable. Coordinating, monitoring and follow-up on IT projects related to Biller integration as well as product advancement
• Creative innovative initiatives and campaigns.

KRA

• Identify business opportunities and align them to specific technical/ software requirements.
• Strategizing digital channels for the generation of business by collaborating
  with channel partners, business, and IT departments.

Pay Scale:

• The applicable pay scale for MMGS-III is Rs. (63840-1990/ 5-73790-2220/ 2-78230).
• The official will be eligible for DA, HRA, CCA, PF, Contributory Pension Fund, LFC, Medical Facility, other perquisites, etc. as per rules in force from time to time.

Advertisement No: CRPD/SCO/2022-23/25

For Post-Manager (Credit Analyst)

Grade: Middle Management Grade-Scale III

Probation Period: 2 Years

Educational Qualification As on 30/06/2022

Graduate (any discipline) from Government recognized University or Institution
AND
(Full time) MBA (Finance) / PGDBA / PGDBM/ MMS (Finance) / CA / CFA / ICWA

Post-Qualification Experience As on 30/06/2022

• Post Qualification Experience of Minimum 3 years in Corporate / SME Credit as an executive in a Supervisory / Management role in a Schedule Commercial Bank / Associate OR Subsidiary of a Scheduled Commercial Bank OR in a Public sector OR listed financial institution company
• Post Qualification experience in high-value credit is a must/mandatory
• Experience should be in appraisal/assessment of Credit proposals of medium/large Corporates

Specific Skills required

• Analysis of Balance Sheet / Appraisal / Assessment of Credit Proposal, Credit monitoring & follow-up

Job Profile

• Carrying out Due Diligence on Credit Proposals assigned
• Timely completion of reviews/renewals as Appraiser, including credit risk assessment proposals
• Securing maximum marks for the AMT (Asset Management Team) in credit audit in pre-sanction
• Assisting Relationship Manager in achieving budgeted growth in advances for the AMT.
• Adhering to Turn-Around-Time (TAT) for processing New/Existing proposals
• Ensuring ABS considered for the proposals are the same as filed with ROCs
• Ensuring achievement of satisfactory RAROC (Risk Adjusted Return On Capital) for each unit in the AMT.

Key Responsibility Areas

ROLES: Responsible for
➢ Analysis & appraisal of credit proposal including Adhoc facilities /
restructuring/rehabilitation proposals / any other type of business or
general proposals about the unit.
➢ Ensuring quick and timely appraisal of credit
RESPONSIBILITIES:

1. PRE-SANCTION STAGE
   • Ensuring compliance with KYC norms
   • Updation of periodical due diligence reports as per RBI guidelines.
   • Obtaining data/information from customers for assessment and
     processing of the proposals.
   • Interacting with Key Officials in the borrowing units to obtain
     data/statement etc.
   • Obtain and verify the legal search reports/valuation reports of properties
     offered as Primary/Collateral securities.
   • ROC search at each sanction of the limits to the Unit
   • Arranging for compilation / updation of opinion reports and CIRs
   • Undertaking pre-sanction visits
   • Appraising credit proposals and CRA
   • Arranging for D&B / Credit reports and their scrutiny, wherever required
   • Obtaining external credit rating of the customers
   • Providing support to the Relationship Manager in making a presentation
     of credit proposals to the sanctioning authority.
   • Credit-related notes like RMD deviations / any other deviations, concessions, etc., or non-business proposals to competent authorities
2. POST-SANCTION STAGE
   •  Preparation of arrangement letter and ensuring that all the Terms & Conditions of sanction have been incorporated therein
   • Attending consortium meetings with the Relationship Manager, wherever necessary
   • Analysis of FFR and other Financial Statements putting it up to Relationship Managers and taking-up issues/observations recorded with the company.
   • Rectifying irregularities about pre-sanction pointed out in various Credit Audit reports.
   • Attending to credit-related correspondence with internal and external agencies
   • Periodical review of TLs sanctioned on a standalone basis
   • Periodical inspections as per the instructions of the Relationship Manager
3. MISCELLANEOUS
   • Tracking & monitoring important developments in the industries/activities in which borrowers operate/have interest
   • Creation, maintenance, and updating of account profile as per format
     devised by the Relationship Manager / Branch Head / Bank
   • Monthly updation of pricing/concessions to be prepared for verification/ checking by the Relationship Manager (and for submission to the concurrent auditor)
   • Credit Analyst who is a Regular Bank officer will perform the role of Service Officer in his absence
   • Preparation of outstanding issues / non-compliance with terms of sanction in pre-sanction areas for each company and its updation on the resolution of the issues involved
   • Assisting relationship Manager in preparation of the Annual Account Plan.
   • Any other job/task relating to dispensation or administration of credit or any other specific task of any nature arising out of business or administrative exigencies or even otherwise under the instruction of the Chief Manager / Manager (Credit) / Relationship Manager / Branch Head.
   • The activities mentioned above are illustrative only and the Credit Analyst is primarily responsible for all activities as directed by the Relationship Manager / Branch Head from time to time.

Pay Scale:

• The pay Scale For Post-Manager (Credit Analyst) is Rs (63840-1990/5-73790-2220/2-78230).
• The official will be eligible for DA, HRA, CCA, Provident Fund, Contributory Pension Fund i.e. NPS, Leave Fare Concession (LFC), Medical Facility, other perquisites, etc. as per rules in force from time to time.

Advertisement No: CRPD/SCO/2022-23/26

For Post-Circle Advisor (Central Armed Police Forces) – Contractual

Experience as on 01/11/2022

Retired in the rank of Inspector General (IG) with a minimum 3 years of experience in the Central Armed Police Force

Selection Process

Shortlisting cum Interaction

Place of Posting* (Suggested)

Bhopal (Area of Operation –Madhya Pradesh, Chhattisgarh, and Gujarat)

Contract Period

The selected candidate will be engaged for 2 years initially. On completion of the contract period, Circle Advisor-CAPFs aged 64 years or less with a satisfactory health condition can be considered for re-engagement for a maximum period of two more years at the Bank’s discretion but within the outer limit of 65 years of age for engagement. Either party can terminate the contract by serving one month’s notice period. Leave of 30 days per year permitted which, if not availed, will get lapsed at the end of the year.