SBI Specialist Cadre Officer Recruitment 2025 — Credit Analyst & Products (Digital Platforms)
State Bank of India (SBI) invites online applications for Manager (Credit Analyst) – MMGS III and Manager/Deputy Manager (Products – Digital Platforms) – MMGS III/MMGS II on a regular basis. The recruitment focuses on experienced banking & technology professionals to strengthen credit appraisal and digital payments/product functions. Postings are anywhere in India at the Bank’s discretion; suggested/initial postings include Corporate Centre, Mumbai, for Digital Platforms roles.
Quick Overview
- Recruiter: State Bank of India — Central Recruitment & Promotion Department
- Posts: Manager (Credit Analyst) — MMGS III; Manager (Products – Digital Platforms) — MMGS III; Deputy Manager (Products – Digital Platforms) — MMGS II
- Total Vacancies: Credit Analyst — 63 (58 regular + 5 backlog); Digital Platforms — 59 (34 Manager + 25 Deputy Manager)
- Selection: Shortlisting + Interview (100 marks); final merit by interview score
- Apply Window: 11.09.2025 to 02.10.2025 (registration & fee payment)
- Posting: Anywhere in India; Digital Platforms: Corporate Centre, Mumbai or any office/branch
Posts & Vacancies
| Post | Category-wise Snapshot | Vacancies |
|---|---|---|
| Manager (Credit Analyst) — MMGS III | SC 11, ST 7, OBC 14, EWS 5, UR 26 (includes backlog) | 63 |
| Post | Grade | Vacancies |
|---|---|---|
| Manager (Products – Digital Platforms) | MMGS III | 34 |
| Deputy Manager (Products – Digital Platforms) | MMGS II | 25 |
PwBD reservation is horizontal within parent categories. Final vacancy distribution may vary per Bank’s requirement.
Educational Qualification & Experience
A) Manager (Credit Analyst) — MMGS III
- Basic Qualification: Graduate (any discipline) AND MBA (Finance)/PGDBA/PGDBM/MMS (Finance) or CA/CFA/ICWA.
- Experience: Minimum 3 years post-qualification experience in Corporate/High-value Credit in a Scheduled Commercial Bank or listed FI/Company (credit appraisal of medium/large corporates).
- Skills: Balance sheet analysis, credit risk assessment, proposal appraisal, credit monitoring.
B) Manager/Deputy Manager (Products – Digital Platforms)
- Basic Qualification: B.E./B.Tech in IT/Computers/ECE/EEE/Instrumentation/Telecom or MCA with 60% marks (min.). Preferable: MBA/Executive MBA.
- Certifications (preferable): PMP/PRINCE2, NPCI Payments, RBI Certified Payment Specialist, CCIP, CISSP, PCI QSA, CRCP (valid as on 31.08.2025).
- Experience: Manager — 5 years; Deputy Manager — 3 years in Digital Payments/AFC/FASTag/FinTech/CRM/Risk, etc.
Age Limit (as on 31.08.2025)
- Manager (Credit Analyst): 25–35 years
- Manager (Products – Digital Platforms): 28–35 years
- Deputy Manager (Products – Digital Platforms): 25–32 years
- Relaxations: As per Govt. of India norms for SC/ST/OBC/PwBD.
Application Fee
- General/EWS/OBC: ₹750 (non-refundable)
- SC/ST/PwBD: Nil
Selection Process
- Shortlisting based on eligibility/experience and parameters set by SBI.
- Interview (100 marks). Minimum qualifying marks decided by SBI.
- Final Merit based on interview score only (tie resolved by age, descending).
- Transfer Policy: SBI may post/transfer the officer anywhere in India per service exigencies.
How to Apply (Online)
- Register and fill the application on SBI careers portal (apply links in Important Links block).
- Upload photograph, signature, and PDFs (ID, DOB, caste/EWS/PwBD if applicable, education, experience, latest salary slip/Form-16/offer letter). Ensure clarity and file sizes as specified.
- Pay the fee online (if applicable) and submit. Keep the e-receipt and final application print.
- Keep email/mobile active for interview call letter. No hard copies are sent.
Tip for Karnataka candidates: eligibility is all-India; you can apply irrespective of domicile. Postings may include Bengaluru or any SBI office at Bank’s discretion.
Pay Scale & Benefits
- MMGS III (Manager): Basic ₹85,920–1,05,280 (with applicable DA, HRA/CCA, PF/NPS, LFC, medical, and perquisites as per Bank rules)
- MMGS II (Deputy Manager): Basic ₹64,820–93,960 (+ DA, HRA/CCA, PF/NPS, LFC, medical, per Bank rules)
- Probation: MMGS III — 6 months (Credit Analyst); MMGS II/III (Digital) — as per bank policy.
📅 Important Dates
| Application Starting Date | 11 September 2025 |
| Application Last Date | 02 October 2025 |
📥 Important Links
Use only the above official links to apply and check updates/corrigenda.
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Role Insights & Preparation Tips
Credit Analysts drive portfolio quality by appraising proposals, ensuring pre/post-sanction compliance, and monitoring risk metrics like RAROC and audit outcomes. Digital Products managers spearhead payments strategy, partner integrations, certifications, governance, and CRM/helpdesk flows, balancing compliance with rapid rollout. Candidates with strong financial analysis, stakeholder management, and payments domain exposure tend to excel.
- For Karnataka applicants: eligibility is pan-India; ensure caste/EWS/PwBD certificates follow Govt. of India formats. Bengaluru is a major SBI hub, but postings are Bank’s discretion.
- Documents: keep experience letters clearly stating role, duties, tenure; convert CGPA to percentage as per university norms.
- Interview focus: credit appraisal cases (for Credit Analyst), and digital payments lifecycle, risk & compliance, merchant onboarding, and product KPIs (for Digital Platforms).
