This presentation walks you through 5 different positions, its roles and responsibilities and the competency requirement for each of these roles across 5 major banks in India.

1. Competency
Mapping
in
Banking
Sector
Presented by-
Manasi Kale (19107)
MBA-HR (2019-2021)

2. Banking
Sector In
India
Banking Sector
Scheduled
Commercial
Regional
Rural
Allahba
d UP
Gramin
Bank
Small
Finance
Ujjivan
Small
Finance
Foreign
HSBC,
CITI
Private
Sector
HDFC,
ICICI,
AXIS
Public
Sector
Bank of
India,
IDBI
Cooperative
Urban
Janata
Sahakar
i,
Saraswa
t
Rural
Mahara
shtra
State
Coopera
tive
Non-
Schedul
ed
Local
Area
Banks

3. Need for
Competency
Mapping
Competency Mapping identifies an individual's strengths and
weaknesses. The aim is to enable the person to better understand himself
or herself and to point out where career development efforts need to be
directed.
From Employer’s Perspective
 Increases awareness of existing skill sets and skill gaps in the
organisation
 Helps to clearly define expectations for employees
 defining the scope of work for existing roles and new job openings
 Recruiting people with right skill sets
From Employee’s Perspective
 Aligning the learning to required skill sets
 Achieve standard performance parameters and exceed
 understand what career development efforts they should be making and
to what end result

4. Levels of
Competency
Outstanding
Satisfactory
Desirable
Basic
Below Basic
• Refer to specific
functional knowledge
and skills critical for
delivering results
• Refer to competencies
that are technical in
naturebut increasingly
critical
• Refer to competencies
that are more essential
for HR professionals
compared to other
functions
• Refer to overarching
competencies that are
essential for any
function
Generic
Behaviour
al
Functional
Behaviour
al
Functional
Technical
Generic
Technical
Competency Typology

5. Evolution of
Competencies
overtime in
Banking
Sector
Earlier Competencies
in BFSI
• Business Knowledge
• Personal Credibility
• Customer
Relationship
• Change
management
• Financial
Perspective and
management
• Operational
Resilience
• Strategic Thinking
and Alignment
• Audit
• Taxation
• Service Orientation
• Diversity
Management
BFSI Competencies
2020- Generic
• Behavioural
 Planning and
Organising
 Fostering
Communication
 Judgement
 Professionalism
 Accountability
• Technical
 Business
Knowledge
 Financial
Perspective
 Conflict
Resolution
 Analytical
Thinking
 Planning and
Organising
BFSI Competencies
2020- Functional
• Behavioural
 Client Focused
 Service
Orientation
 Achievement
Orientation
 Attention to detail
 Continuous
Improvement
Orientation
• Technical
 Risk Management
 Relationship
Management
 Fraud Detection
and Prevention
 Business Analysis
 External Relations
and Stakeholder
Engagement

6. State Bank of India
(Nationalised
Bank)
AXIS Bank
(Private Bank)
HSBC
(Global Bank)
Selected Institutions for Competency Mapping:
Cosmos
Scheduled Bank
NABARD
Specialised Bank

7. Competency
Chart for
selected roles
Bank Name State Bank of
India
AXIS Bank HSBC Bank Cosmos Bank NABARD
Bank Category Nationalised
Bank
Private Bank Foreign Bank Scheduled
Bank
Specialised
Bank
Role Selected Branch Manager Personal
Financial
Advisor
Risk Manager Bank Teller Assistant
Manager
Functional
Behavioural
Client Focused
Approach
Achievement
Orientation
Service
Orientation
Attention to
detail
Continuous
Improvement
Orientation
Functional
Technical
Risk
Management
Fraud
Detection and
Prevention
External
Relations and
Stakeholder
Engagement
Relationship
Management
Business
Analysis
Generic
Technical
Business
knowledge
Financial
Perspective
Analytical
Thinking
Conflict
Resolution
Planning and
Organising
Generic
Behavioural
Communi-cation Personal
credibility
Judgement Accountability Professionalism

8. BRANCH MANAGER
 assigned by midlevel or executive management to oversee branch
operations or a drive-through bank operation
 create branch work schedules for personnel, provide a budget to
executive management concerning resources
 ensure that bank policies are followed at the branch level
 May have the title “Vice President of Operations” assigned to their
job descriptions
 can work from the main bank and have several branch banks
assigned under her supervision.
Nationalised Bank
Largest in India
23% Market Share
Domestic and
International Presence
Over 2 lac employees

9. Functional Behavioural
Client Focused
Approach
Advance-
Satisfactory
Identify opportunities
that benefit the internal
or external customer
Building strong internal
and external customer
relationships and
delivering customer-
centric solutions
FunctionalTechnical
Risk Management
Expert-
Outstanding
Forecasting probable
crisis, selecting suitable
risk management
framework, and
developing a support
implementation plan
Forecast probable
obstacles in the plan
during execution and
modify as per situation
GeneralTechnical
Business Knowledge
Expert-
Satisfactory
Extensive knowledge
regarding BFSI Sector,
customer’s needs and
preferences, business
environments and their
dynamics,
Ability to adapt to the
changing market
scenario and implement
changes across multi
levels in the organisation
GenericTechnical
Communication
Advance-
Desirable
systematic planning,
implementing,
monitoring, and revision
of all the channels
of communication within
an organization, and
between organizations
developing corporate
communication strategies
, designing internal and
external communications
directives
Other Competencies
•Financial Perspective
•Expert- Outstanding
•Planning and
Coordination
•Advance- Satisfactory
•Negotiation
•Advance- Desirable
•Analytical Thinking
•Advance- Desirable
•Conflict Resolution
•Expert- Outstanding
Major Competencies identified for a Branch Manager

10. Private Sector Bank
30.1% Market Share
Services in Retail Banking
and Corporate Banking
Over 75000 employees
PERSONAL FINANCIAL ADVISOR
• help individuals manage their money to meet their short- and
long-term goals
• Responsible for planning from retirement to figuring out how
to pay for college
• identify different options and help individuals make the most
of their money
• Suggest special tax exemptions or incentives

11. Functional
Behavioural
Achievement
Orientation
Advance-
Outstanding
strive to meet or
exceed a standard of
excellence and
appreciate metrics
for—and feedback on—
the performance
Accepting the
challenges that come
on the way, overcoming
them and achieve the
target without
compromising quality
Functional Technical
Fraud Detection and
Prevention
Advance-
Outstanding
Identify common
profiles of fraud
perpetrators and fraud
schemes
Thorough background
check of the clients in
order to avoid any
potential fraud/losses
to the bank
Generic Behavioural
Financial Perspective
Advance-
Satisfactory
Good understanding of
new financial
parameters
Cost-benefit analysis
for both- client and
organisation
Generic Technical
Personal Credibility
Competent-
Satisfactory
Ability to withstand
peer pressure and
pressure from
supervisor
Accountability for
mistakes and
rectification
Major Competencies identified for Personal Financial Advisor
Other Competencies
•Sales and Negotiation
•Competent-
Satisfactory
•Interpersonal
Relationships
•Advance- Satisfactory
•Client Satisfaction
•Competent-
Outstanding
•Business Knowledge
•Competent- Desirable
•Planning and organising
•Competent- Desirable

12. British Multinational
Investment Bank
Largest in Europe
Services in Global Banking,
Investment Banking, Retail
Banking, Wealth management
Employees Exceeding 2 Lac
RISK MANAGER
 identification, assessment, prioritisation and management of
risks that can arise in an industry that is in a constant state of
flux
 employed within trading and investment banking areas, where
expertise in statistics and financial modelling helps to set trading
limits and constraints
 risk management of large or new projects, risk assessment within
the insurance sector, planning for business continuity in the
event of a disaster, and managing technological risks

13. Functional
Behavioural
Service Orientation
Advance- Satisfactory
Involves stakeholders in
the decision-making or
problem-solving process
as early as possible
Responds to customers
with an appropriate level
of urgency
Functional Technical
External Relations
and Stakeholder
Engagement
Expert-
Outstanding
establishing and
quantifying the
organisation's 'risk
appetite', i.e. the level of
risk they are prepared to
accept
risk reporting in an
appropriate way for
different audiences
Generic Behavioural
Judgement
Expert-
Satisfactory
Refrains from “jumping to
conclusions’ based on no
or minimal fact-based or
data-based information;
Balances needs and
desires with available
resources and constraints
Generic Technical
Analytical Thinking
Expert-
Satisfactory
risk assessment, which
involves analysing risks
as well as identifying,
describing and estimating
the risks affecting the
business
risk evaluation, which
involves comparing
estimated risks with
criteria established by
the organisation
Other Competencies
•Conflict resolution
•Advance-
Outstanding
•Decision Making
•Advance- Satisfactory
•Commercial
Awareness
•Competent-
Outstanding
•Technical Acumen
•Advance- Satisfactory
•Stress management
•Advance- Satisfactory
Major Competencies identified for Risk Manager

14. Oldest Urban Cooperative
Banks
Services offered- Commercial
Banking, Retail banking,
Private Banking
2800+ employees
BANK TELLER
 first line of advertising for a bank
 friendly and have an attitude of service
 responsible for basic account transactions such as
servicing savings and checking accounts and providing
account inquiries to customers
 responsibility for handling special inquiries or problems
with a bank account

15. Major Competencies identified for Bank Teller
Functional
Behavioural
Attention to detail
Advance-
Outstanding
Needs to be impeccable
else organisation has to
bear the cost of his/her
mistakes
Provides accurate,
consistent numbers on all
the paperwork
Functional Technical
Relationship
Management
Competent-
Desirable
Takes appropriate action
top gain cooperation and
build consensus
Develops and maintains
positive working
relationships with co-
workers and customers
Generic Behavioural
Accountability
Advance-
Outstanding
Tracking, recording,
reporting, and storing
information related to
transactions
Maintaining and
balancing cash drawers
and reconciling
discrepancies
Generic Technical
Conflict Resolution
Competent-
Desirable
Assisting customers with
processing transactions,
such as deposits,
withdrawals, or
payments, resolving
complaints or account
discrepancies, and
answering questions
Following all bank
financial and security
regulations and
procedures.
Other Competencies
•Verbal Communication
•Competent-
Satisfactory
•Integrity
•Advance- Satisfactory
•People skills
•Advance- Desirable
•Documentation Skills
•Advance- Satisfactory
•Customer Service
•Advance- Satisfactory

16. ASSISTANT MANAGER
just as responsibleas the bank managerfor the overallsuccess or
failure a bank faces.
responsible in assistingthe bank managerin trainingall the bank
employeesto do theirjob well
helpin budgetingof the banks expenses
helpcreatea fool-proofdailyroutinethat the employeescan follow
Apex development finance
institution
Development of the cottage
industry, small scale industry
Rural Innovation
Credit flow : Rs 1,57,480 crore
in 2005–2006

17. Major Competencies identified for Assistant Manager
Functional
Behavioural
Continuous
Improvement
Orientation
Competent-
Outstanding
Pays attention to
processes or steps
leading to the
accomplishment of
results
Looks for ways to
eliminate
redundancy or in
processes
Functional Technical
Business Analysis
Advance-
Satisfactory
providing consulting
services, planning
and executing
customer projects
preparing financial
and market
analysis, preparing
banking services
analysis including
deposits, interests,
corporate banking
Generic Behavioural
Planning and
Organising
Advance-
Satisfactory
Sets priorities with
an appropriate sense
of what is most
important
Tracks progress and
completion of
activities to
accomplish stated
objectives
Generic Technical
Professionalism
Competent-
Satisfactory
Makes self-available
to others to help
solve professional
and technical
problems or issues
Recognizes trends in
theory and practice
of one’s own
professional or
technical field and
effectively prepares
for anticipated
changes
Other Competencies
•Analytical Thinking
•Advance- Satisfactory
•Project Management
•Competent-
Outstanding
•Negotiation
•Competent- Desirable
•Conflict Resolution
•Advance- Satisfactory
•Decision Making
•Advance- Satisfactory

18. Key
Takeaways
Classification of Banking Sector in India
Importance of clearly defining desired competencies for a particular
position
Inter-relationship between Job Descriptions and Required
Competencies for a particular role
Defining competency levels according the job profile and how each
competency changes its requirement with a change in profile
Evolution of sector-specific competencies over the years
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