IOB Specialist Officer Job Profile & Work Responsibilities 2025

The IOB Specialist Officer Job Profile 2025 describes the professional duties and daily work responsibilities of candidates recruited into specialized banking roles such as Information Technology, Credit, Risk Management, Treasury, Legal, HR, Security, Economist and other domain-based functions in Indian Overseas Bank. Understanding the exact nature of job duties helps candidates prepare better for interviews, career planning, and long-term role alignment within the Public Sector Banking system.

Specialist Officers in IOB are not assigned general clerk-like tasks. They are deployed in critical functional teams that require domain expertise, problem-solving ability, regulatory compliance knowledge, and decision-making skills.

Posting Locations for IOB Specialist Officers

SOs may be posted at:

• Head Office (HO)
• Zonal / Regional Offices (ZO/RO)
• Digital Banking / IT Data Centers
• Treasury & Forex Operations Units
• Large Corporate/SME Credit Hubs
• Risk Management and Compliance Divisions
• Designated Branches depending on role

General Department Responsibilities of IOB Specialist Officers

Typical responsibilities across the specialist cadre include:

• Managing domain-specific processes to support bank operations
• Ensuring adherence to RBI regulatory guidelines and internal policies
• Supporting digital transformation and system modernization
• Improving credit quality, risk mitigation and financial performance
• Performing research, reporting, analytics and compliance documentation

IOB IT Specialist Officer Job Profile (Manager / Senior Manager)

IT Officers play a crucial role in maintaining secure, resilient, and scalable digital banking infrastructure. They work on core banking systems, cybersecurity, network management, cloud implementation, and internal application development.

Key Responsibilities

• Core Banking System (CBS) configuration, support and upgrades
• Network security, firewall/IDS/IPS monitoring and incident response
• Database administration (backup, performance tuning, replication)
• Implementation of cybersecurity frameworks and digital fraud controls
• API banking, UPI, IMPS, NEFT/RTGS integration support
• Cloud migration and virtualization projects
• Business continuity and disaster recovery (DR) drills

Technical Skills Required

• Linux/Windows Server administration
• Database: Oracle, PostgreSQL, MySQL
• VAPT, SIEM, IAM, Encryption protocols
• Networking: TCP/IP, VPN, MPLS, SD-WAN
• Cloud/Container tools: Kubernetes, Docker, AWS/Azure

IOB Credit Officer Job Profile

Credit Officers assess and approve lending proposals, evaluate financial statements, and manage asset quality and risk in corporate and MSME lending portfolios.

Key Responsibilities

• Credit appraisal for business loans, working capital and term loans
• Financial statement and ratio analysis (DSCR, DER, ICR, ROCE)
• Collateral valuation and legal compliance verification
• Credit rating assessment and risk scoring
• Monitoring of loan accounts and NPA early-warning detection
• Review of CMA data, stock audits and cash flow forecasting
• Preparation of lending notes for sanction committees

Skills Required

• Strong financial analysis and corporate lending knowledge
• Understanding of NPA norms, SARFAESI, RBI Prudential Guidelines
• Terms of sanction, documentation and loan monitoring

IOB Risk Management Officer Job Profile

Risk Officers work on risk measurement methodologies, regulatory compliance with Basel III and ICAAP, stress testing, and risk mitigation strategy design.

Work Responsibilities

• Credit, market and operational risk modeling and monitoring
• Basel III, ICAAP, LCR, NSFR and regulatory reporting
• Stress testing, scenario analysis, backtesting
• Portfolio risk tracking and early warning analytics
• Cyber, fraud and operational risk control coordination

Key Skills

• Knowledge of FRM, CFA, Risk Models (PD, LGD, EAD)
• Understanding of VaR, RAROC, Economic Capital
• Strong analytics and data handling

IOB Treasury Officer Job Profile

Treasury Officers manage bank investments, bond portfolios, forex operations and derivative instruments for hedging interest rate and currency risk.

Main Responsibilities

• Deal execution in Government Securities and forex
• Derivative pricing, MTM, hedge accounting
• Yield movement and interest rate risk tracking
• Liquidity and reserves management
• Regulatory reporting to RBI

Required Skills

• Understanding of treasury markets, G-Sec, SDL
• Knowledge of NISM, CFA, Bloomberg/Refinitiv tools
• Strong quantitative and macroeconomic understanding

Reporting Structure of Specialist Officers

Officers generally report to:

• Chief Manager / AGM of respective department
• Vertical heads for functional roles
• Zonal/Regional Office authority for branch-associated roles

Daily Work Schedule & Workload Expectations

Typical duty cycle includes:

• Analysis work, approvals and documentation
• Team meetings / compliance updates
• Application/IT change management (IT Officers)
• Portfolio and risk monitoring (Credit/Risk/Treasury)
• Regulatory compliance tracking

Performance KPIs for IOB SO Roles

Department	Sample KPIs
IT	System uptime, issue resolution, cybersecurity compliance
Credit	Portfolio quality, NPA %, turnaround time
Risk	Basel reports, stress tests, breach alerts
Treasury	Trading P&L, MTM, compliance accuracy

Skills Required for IOB Specialist Officers

• Domain expertise and analytical capability
• Banking and regulatory compliance knowledge
• Risk awareness and decision-making
• Report writing and documentation
• Team coordination and communication skills

Frequently Asked Questions (FAQs)

Conclusion

The IOB Specialist Officer Job Profile 2025 offers professionally challenging and growth-oriented roles across IT, Credit, Risk, Treasury and other specialized domains. These roles are ideal for candidates seeking a structured banking environment, regulatory responsibility and an attractive long-term career path in a leading Public Sector Bank.