Chennai · Banking & Insurance
Bank PO jobs in Chennai
A Probationary Officer joins a public sector bank as an Assistant Manager (Scale I) and rotates through branch operations, loans, deposits and customer service. Works with branch managers, clerical staff and customers, and later handles credit, recovery and branch management.
Updated · ResumeGyani careers team
Quick answer
Bank POs in India typically earn ₹10L–₹12L a year starting out and ₹18L–₹28L+ with 7+ years. Employers mostly ask for Credit appraisal for retail, MSME and agri loans, KYC and AML norms and Branch banking operations.
Current openings in Chennai
9 foundFrom public job boards. Apply on the employer's or board's site.
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Personal Banker-Inbound_Branch Banking-Service_Chennai
Kotak Mahindra Bank · Chennai, Tamil Nadu
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Personal Banker-Outbound_Branch Banking-Relationship Management_Chennai
Kotak Mahindra Bank Limited · Chennai, Tamil Nadu
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Officer, Branch Relationship Manager Growth, Consumer Banking Group
DBS Bank · Chennai, Tamil Nadu
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What does a Bank PO do?
A Probationary Officer joins a public sector bank as an Assistant Manager (Scale I) and rotates through branch operations, loans, deposits and customer service. Works with branch managers, clerical staff and customers, and later handles credit, recovery and branch management.
A typical day: The day opens with checking the branch cash position and pending loan files. Through the day the PO meets loan applicants, verifies documents, sanctions or recommends small loans and resolves customer complaints. Evenings go into follow-up calls on overdue accounts and reporting to the branch manager on targets.
How people get in: Graduation in any discipline, then selection through the IBPS PO or SBI PO exam (prelims, mains, group exercise/interview), followed by probation and training.
How much does a Bank PO earn in India?
| Experience | Typical annual CTC |
|---|---|
| Entry (0–2 years) | ₹10L–₹12L |
| Mid (3–6 years) | ₹13L–₹18L |
| Senior (7+ years) | ₹18L–₹28L+ |
Pay follows the official JMGS-I scale (basic ₹48,480; SBI POs start at ₹56,480 with four advance increments) plus DA, HRA and allowances, about ₹85k–₹95k gross a month; SBI quotes a CTC of about ₹22L for a Mumbai posting because it counts perks such as leased housing and medical cover. Senior figures are estimates for Scale III–IV managers.
India-wide estimates from public salary data (SBI PO recruitment notification, IBPS PO notification, Bank pay scale guides), checked October 2026. Pay in Chennai can differ; check the salary on each listing.
Which skills and tools do employers ask for?
Skills
- Credit appraisal for retail, MSME and agri loans
- KYC and AML norms
- Branch banking operations (deposits, clearing, cash)
- NPA monitoring and recovery under SARFAESI
- Priority sector lending and government schemes (Mudra, PMEGP)
- Cross-selling insurance and mutual funds
- RBI circulars and bank policies
- Managing branch staff and customer complaints
Tools
- Core banking system (Finacle, BaNCS)
- CIBIL / credit bureau reports
- Loan origination systems
- MS Excel
- Jan Samarth and government scheme portals
Certifications that help
- JAIIB (IIBF)
- CAIIB (IIBF)
- IIBF Certified Credit Professional
Who hires Bank POs?
Organisations that regularly hire for this role in India. Openings in Chennai vary, so check the listings above.
- State Bank of India
- Punjab National Bank
- Bank of Baroda
- Canara Bank
- Union Bank of India
- Bank of India
- Indian Bank
- Central Bank of India
- Indian Overseas Bank
- UCO Bank
How to write a Bank PO resume that gets shortlisted
- 1
For freshers, state the exam result clearly.
ExampleCleared IBPS PO 2025 mains with a score in the top 5% of candidates in my category.
- 2
For lateral moves, show credit and recovery numbers.
ExampleSanctioned 140 Mudra loans worth ₹3.1 Cr in one year with gross NPA under 2%.
- 3
Show branch-level business growth.
ExampleGrew CASA deposits at a rural branch by 18% in 12 months through village camps and PMJDY drives.
Check your resume against a Bank PO job description
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Common Bank PO interview questions
Why do you want to join a public sector bank?
Talk about financial inclusion, job stability and growth to management, and show you know the transfer and rural posting norms.
What is an NPA and how is it classified?
Overdue beyond 90 days; mention sub-standard, doubtful and loss categories and recovery tools like SARFAESI and DRT.
Explain the repo rate and how it affects loan rates.
Cover RBI's policy role, external benchmark lending rates (EBLR) and the impact on EMIs.
Name a government scheme your bank runs and how it works.
Pick one like PM Mudra or PMJDY and explain eligibility, loan limits and the bank's role.
Bank PO career path
- Probationary Officer / Assistant Manager (Scale I)
- Manager (Scale II)
- Senior Manager (Scale III)
- Chief Manager (Scale IV)
- Assistant General Manager (Scale V)
- Deputy General Manager
Pro toolkit
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Questions people ask
How much does a Bank PO earn in India?
Typical annual pay is ₹10L–₹12L at entry level (0–2 years), ₹13L–₹18L at mid level (3–6 years) and ₹18L–₹28L+ for senior roles (7+ years). Pay follows the official JMGS-I scale (basic ₹48,480; SBI POs start at ₹56,480 with four advance increments) plus DA, HRA and allowances, about ₹85k–₹95k gross a month; SBI quotes a CTC of about ₹22L for a Mumbai posting because it counts perks such as leased housing and medical cover. Senior figures are estimates for Scale III–IV managers.
What qualifications do you need to become a Bank PO?
Graduation in any discipline, then selection through the IBPS PO or SBI PO exam (prelims, mains, group exercise/interview), followed by probation and training.
Which skills do employers look for in a Bank PO?
Most job descriptions ask for Credit appraisal for retail, MSME and agri loans, KYC and AML norms, Branch banking operations, NPA monitoring and recovery under SARFAESI and Priority sector lending and government schemes. Common tools include Core banking system (Finacle, BaNCS), CIBIL / credit bureau reports, Loan origination systems and MS Excel.
What is the career path for a Bank PO?
A common progression is Probationary Officer / Assistant Manager (Scale I) → Manager (Scale II) → Senior Manager (Scale III) → Chief Manager (Scale IV) → Assistant General Manager (Scale V) → Deputy General Manager.
How do I find Bank PO jobs in Chennai?
Search current Bank PO openings in Chennai on job boards and company career pages, and tailor your resume to each job description: lead with the skills it lists and show results with numbers. Pay for Bank PO roles in India typically ranges ₹10L–₹28L+ a year depending on experience.
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