SBI PO: Is it a target based job?

In SBI as PO you have to sell the products as well as have to do your bit of cross-selling. The silver lining is that you are not in the line of fire if you are not able to achieve your targets. Most of the targets are achievable so no need to worry.

SBI PO: Is it a target based job?
SBI PO: Is it a target based job?

State Bank of India (SBI) is the largest commercial bank in the country and in order to maintain smooth functioning of its large network, it recruits officers across the offices every year through Written Examination, Group Discussion and Interview. Lakhs of aspirants apply for the post as this is the dream job for a number of banking aspirants look forward to getting into the prestigious organization. But many of them are confused regarding the job profile as well as the work culture of the bank. Nowadays, we often hear about private bank employees given targets to fulfill and also getting fired for poor performance. Is it the same for PSBs as well? Many wonder. We shall try to decode that in this article.

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SBI PO: Responsibilities at a glance

As a SBI PO, you are in an executive position and it becomes your responsibility to take decisions for the best interests of the bank. Let us find out what are your responsibilities as an officer of bank:

  • Operational Management: As an officer, you are in charge of seeing that the daily operation of the bank goes on without any hitch and it is your responsibility to solve any problem that comes up. Clerks will be there to assist you but the decision making part of allotting work to them is upto you.
  • Increasing the loan portfolio: Interest income from its loan portfolio is the biggest source of income for any bank. As an officer, you have to see that the loan portfolio of the bank increases in order to make your branch a profitable one.

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  • Increasing the CASA deposit: These days, every bank is crazy about increasing the CASA ratio because these are low cost deposits. Now, as an officer, you have to woo your customers and clients as there are competitors in the market to snatch everything you have or you aim for.
  • Selling the products of the bank: It is your responsibility to pitch for banks’ products in front of the customers so that you can convince them to opt for them.
  • Cross-selling of Products: Nowadays, every bank is in the process of selling more than only banking products as they sell insurance products, mutual fund products, demat services etc. It is your duty to make your customers aware of all these so that they can take your bank into consideration while deciding about investing their money.
  • Ensuring Better Customer Service: Banking belongs to the service industry and it is the responsibility of an officer to see that all the staff members are dedicated to the cause of the customers because one unsatisfied customer can do a lot of harm in today’s age of fierce competition and social networking.

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SBI PO: So do I need to think about the targets?

The simple answer to the question is, from day one, you have to keep an eye on the targets given to the bank because if your branch is not able to perform well, you will be taken to task by your reporting authority i.e. your branch manager. So, yes, you have to sell the products as well as have to do your bit of cross-selling. The silver lining is that you are not in the line of fire if you are not able to achieve your targets. You may be given a piece of his mind by your manager but that is it. Nothing more than that but if you want to get to the top of the ladder, performance is the easiest way to reach there.

SBI Probationary Officers are far better off than officers of private sector banks in terms of target or sales based targets. It is difficult to predict what is in store for them in future especially when the field of banking is going through a drastic change and everybody has to adapt to these changes in order to keep its boat floating. So, it is better for the banking aspirants to get ready to do marketing and sales along with daily routine since being prepared mentally does not do any harm but not being so, may do, in future.

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