Banking Exams

Indian Overseas Bank SO Manager and Senior Manager Risk Vacancy 2026: Apply Online, Selection Process

📅 Updated On 12 October 2026✨ Update By Jyoti Sharma🌐 Hindi & English

Indian Overseas Bank SO Manager and Senior Manager Risk Free Mock Test

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Indian Overseas Bank SO (Manager & Senior Manager - Risk) Syllabus 2026, Exam Pattern

Indian Overseas Bank SO (Manager & Senior Manager - Risk) Syllabus 2026, Exam Pattern, Exam Date 2026

Detail Information about Indian Overseas Bank (IOB) has published notification 2026 for the recruitment of Specialist Officer (SO) Manager & Senior Manager - Risk vacancies. Those Candidates who are Interested to the following vacancy and completed all Eligibility Criteria can read the Notification & Apply Online. In this page we provide the Complete Syllabus of this Recruitment with Latest Update Exam Pattern and the Exam Date also.

Indian Overseas Bank SO Syllabus 2026 - Overview

Organization Name	Indian Overseas Bank (IOB)
Post Name	Specialist Officer (SO) - Manager & Senior Manager - Risk
Vacancies	Notified Soon
Application Mode	Online
Category	Syllabus and Exam Pattern
Official Website	www.iob.in

Indian Overseas Bank SO (Manager & Senior Manager - Risk) Syllabus 2026

English Language :

1. Verb

2. Active Voice and Passive voice

3. Subject-Verb Agreement

4. Articles

5. Comprehension

6. Adverb

7. Error Correction

8. Sentence Rearrangement

9. Fill in the Blanks

10. Unseen Passages

11. Tenses and its types

12. Vocabulary

13. Antonyms

14. Synonyms

15. Grammar

16. Idioms & Phrases

General Awareness with Special reference to Banking Industry.

1. Indian Economy & Economic Policies

Growth trends, GDP, inflation, fiscal policy, monetary policy.

Government budget, economic surveys, and recent economic reforms.

Key economic indicators and their implications.

2. Reserve Bank of India (RBI)

Functions, roles, and objectives of RBI.

Monetary Policy: Repo rate, Reverse Repo rate, CRR, SLR, MSF, OMO.

Recent RBI regulations, guidelines, notifications.

Latest RBI circulars and monetary policy announcements.

3. Banking Regulations & Acts

Banking Regulation Act, Negotiable Instruments Act, SARFAESI Act, DICGC Act.

Prevention of Money Laundering Act (PMLA).

Regulatory frameworks and compliance requirements.

4. Financial Institutions in India

Structure and roles of Scheduled Commercial Banks, Co-operative Banks, Regional Rural Banks.

NBFCs, SIDBI, NABARD, EXIM Bank, NHB, SEBI, IRDAI, PFRDA.

Their latest developments, scope, mergers, and policy changes.

5. Banking & Financial Awareness

Indian Financial System – roles of regulatory bodies (RBI, SEBI, NABARD, IRDAI, etc.).

Indian Money Market & Capital Market: instruments like shares, bonds, debentures, derivatives.

Banking terms and concepts: NEFT, RTGS, IMPS, UPI, AEPS, KYC, NPA, Basel Norms.

Types of bank accounts (savings, current, FD, RD) and loan products.

Digital banking, e-wallets, fintech, payment banks, small finance banks.

6. Current Affairs (Banking, Finance & Economy)

National and international news with financial relevance.

Summits, conferences, and bilateral agreements.

Major banking/financial appointments and resignations.

Economic indicators: inflation, forex, interest rates, repo changes.

Awards and recognitions in the finance/banking sector.

7. Government Schemes & Financial Inclusion

Pradhan Mantri Jan Dhan Yojana (PMJDY).

Atal Pension Yojana (APY).

Digital India initiatives, DBT, PM Kisan, Stand-Up India, MUDRA Yojana.

Financial literacy and inclusion programs.

8. Important Banking Terms & Abbreviations

CRR, SLR, Repo, Reverse Repo, MCLR, LAF, NPA, CASA.

Basel Norms, Priority Sector Lending (PSL).

Common banking and insurance abbreviations.

9. Budget, Economic Survey & Financial Reports

Union Budget highlights.

Railway and Finance Budget.

Key takeaways from the Economic Survey.

Reports from IMF, World Bank, RBI, and SEBI.

10. Recent Banking Mergers & Acquisitions

Recent bank mergers and consolidations.

PSU bank mergers and their impact.

Latest tie-ups and acquisitions in the financial industry.

11. Static General Knowledge (Relevant to Banking/Economy)

Important days related to banking and economy (e.g., Financial Literacy Week, World Savings Day).

Books & Authors related to finance/economics.

Capitals, currencies, headquarters of international financial institutions (IMF, World Bank, ADB, AIIB, WTO).

12. Miscellaneous

Banking technology trends: UPI 2.0/3.0, CBDC, blockchain, digital rupee.

Cybersecurity in banking and payment systems.

Global financial institutions influencing Indian economy.

Professional Knowledge Syllabus :

Manager & Senior Manager – Risk

1. Risk Management in Banking

i. Types of risk: Credit risk, Market risk, Operational risk, Liquidity risk, Interest rate risk, Foreign exchange risk

ii. Risk measurement / metrics: VaR, Expected Shortfall, Stress testing, Back-testing

iii. Risk governance frameworks: Risk appetite, risk tolerance, risk culture

iv. Risk mitigation techniques: Hedging, insurance, diversification, limits frameworks

v. Role of internal audit / risk function in banks

2. Banking Regulations & Standards

i. Basel I, II, III accords: key components, capital adequacy, leverage ratio, liquidity coverage ratio, net stable funding ratio

ii. Regulatory bodies: Reserve Bank of India (RBI), Bank for International Settlements (BIS) – their guidelines on risk

iii. Indian banking regulations relevant to risk (RBI master directions, prudential norms)

iv. Regulatory capital vs economic capital

3. Credit Appraisal & Credit Risk

i. Financial statements analysis: ratio analysis, cash flow, profitability, leverage, working capital

ii. Credit appraisal techniques for corporate, SME, retail

iii. Non-performing assets (NPAs) and their provisioning / recovery

iv. Credit derivatives, securitization, credit enhancement

v. Rating methodologies and external credit assessment institutions

4. Market Risk & Treasury Risk

i. Interest rate risk in banking book (IRRBB)

ii. Foreign exchange risk, commodity risk

iii. Investment portfolio risk, duration, convexity

iv. Liquidity risk and ALM (Asset Liability Management)

v. Treasury operations in banks

5. Operational and Legal Risk

i. Operational risk definitions (people, process, system, external events)

ii. Legal risk: contracts, litigation, compliance, fraud risk

iii. Cyber-risk, technology risk in banking

iv. Business continuity planning (BCP) and disaster recovery (DR)

6. Enterprise Risk Management (ERM)

i. Integrated risk management across bank functions

ii. Risk reporting, dashboards, risk indicators (KRIs)

iii. Capital allocation & economic value added (EVA) approach

iv. Scenario analysis, stress & reverse stress testing

7. Other Supporting Topics

i. Corporate finance: capital markets, mergers & acquisitions, Valuation basics (since credit/treasury risk involves these)

ii. Accounting principles as relevant to banks: provisioning norms, impairment, off-balance sheet exposures

iii. Financial markets and instruments: derivatives (options, futures, swaps), securitization, PIPEs

iv. Risk in digital banking: fintech risks, regulatory technology (RegTech), data risk

Indian Overseas Bank SO (Manager & Senior Manager - Risk) Exam Pattern 2026

Duration : 2 hours

Negative Marking : 0.25

S.No.	Subject	No.of Question	Marks
1.	English Language	25	25
2.	General Awareness with Special reference to Banking Industry	25	25
3.	Professional Knowledge	50	50
	Total	100	100

Exam Date : Notified Soon

Starting Date of Application Form : Notified Soon

Last Date of Application Form : Notified Soon

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