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Welcome to the OJT program

Congratulations on completing the nine-month academic program at

Baroda Manipal School of Banking. You are now stepping into the exciting
world of a ‘live’ banking environment which will provide you with ever-
expanding opportunities to utilise your knowledge and skills.

This OJT program is designed to help you hone your skills further and apply
the same in day-to-day work in keeping with the ethos and values of Bank
of Baroda. The Bank has indeed assiduously built its wide customer base
over the years and has a rich heritage of service. We are sure that with the
skills acquired and by your hard work, you will add value to this heritage – in
quality as well as in dimension. In the process, you will quietly blossom and
move into an illustrious and satisfying Banking career.

The key features of this OJT program are as under:

1. Duration: 3 months on-the-job

2. Multi-dimensional approach: on-going learning to be seamlessly

dovetailed into the on-the-job training.

3. Mentor: The Branch Manager or any official nominated by the Branch

Manager will act as your ‘mentor’ who will help you clear your doubts
and also facilitate your progress and learning throughout the OJT

4. OJT Diary: This diary is designed to support you through this OJT
program. It is divided into 3 parts:

Part A-Broad schedule for 3 months

Part B-Advance weekly Planner
Part C-Weekly tracker and Review

5. Evaluation: Your performance during the OJT will be evaluated by

the designated Reporting Authority (Branch Manager / Departmental

Head, as the case may be, and shall be based on (a) OJT Diary and
(b) Project work.
6. Learning Resources: You will have access to the following

a) E circulars of the Bank (you will be given access to this) which will
provide you inputs to grasp the Bank`s Assets and Liability products
besides latest developments / modifications, etc., thereby enabling
you to update your knowledge on other functions of the Bank.

b) You can access the Bank’s intranet on any of the Bank’s PCs. Your
mentor will facilitate this through his user ID and password. The
Bank’s intranet will make available a host of information and learning
resources, policy documents on products / processes, etc. besides
list of circulars issued by the Bank from time to time.

c) A vibrant CBS environment which is user-friendly. You will be given

access to CBS during the period of OJT at “Business Associate” level
in a live environment.

d) Learning from the experiences of other officers and staff in the


The Branch OJT is for a period of 13 weeks. The schedule for the 13
weeks is given in Part–A, which will determine your activities and
departments which will need to be covered during the OJT.

The Final evaluated reports as detailed in this Diary are to be sent to

General Manager & Chief Learning Officer, by Courier, at the following
General Manager & Chief Learning Officer,
Bank of Baroda,
Baroda Sun Tower,
C-34, G-Block, Bandra-Kurla Complex
Bandra (East)
Mumbai – 400051

Guide to using the OJT diary / workbook

Part A - OJT Schedule - Setting the agenda for the three months


The OJT schedule given in Part A will be the broad framework for the
learning and practical experience during the OJT period. The entire 3
months period has been sub-divided into a week-wise schedule, where the
student will have to go through a particular Branch function / deptt. during a
particular week. The coverage of areas / detailed list of activities that the
students are expected to cover, in general, are also spelt out. If a particular
activity is not there in any particular Branch, the student may consult and
discuss on that area with his / her mentor so as to gain a working
understanding of the same.

The general flow needs to be followed so as to gain an overall exposure.

Part B-Advance Weekly Planner (Plan in advance the activities to be

taken up every week)

1. Set your goals for the week in consultation with the Mentor / Deptt.
Head -what knowledge and skills you need to acquire

2. List the e-circulars, modules, information that you need to know

3. Jot down the desk/field activities, jobs that you will be taking up

4. Take your mentor`s signature on the weekly planner

Part C-Weekly Tracker and Review Sheet

1. Record what you learnt during the week

2. Jot down the desks/activities that you handled

3. Record what you did well during the week

4. Note down your constraints and explore the solutions

5. Once you complete your tracker request your mentor to review and
take his / her feedback / suggestions.

6. Record feedback and suggestions

7. Take your mentor`s signature on the review sheet

8. The OJT workbook needs to be produced for perusal by visiting


Part D Final Review Evaluation of On-the-job training (OJT) by
Reporting Authority

1. The final review and evaluation will be done by the Mentor / Reporting
Authority close to the end of the third month of OJT, which will be
reviewed by a higher authority of Bank of Baroda.

2. Final marks given for the OJT will be based on

a) Score for performance during the OJT period as reflected in the OJT diary
and as assessed by the Reporting authority / Mentor, and

b) Evaluation of the Project work which will be allotted to you.

3. Your performance during the OJT period will be graded on the

following broad indicators given below:

 Consistent display of desired behavior/attitude

 Functional Knowledge gained and applied
 Application of new learning acquired/Functional skills

1. How do I get started?

Meet your Reporting Authority

 Understand the expectations of your reporting authority and the

nature of the business in the Branch that you have joined and also in
the location / catchment area of the Branch.

 Discuss with your Reporting Authority/mentor to finalize your learning

objectives and other aspects within the general broad OJT
 Get familiar with the team, the systems and software, the documents
and stationery used in your workplace.

 Jot down what you need to know, the desks that you need to work on.
 Follow up with your mentor from time to time for ensuring your
rotation in various desks as per the schedule given and as required
for the role.

2. Do I need to use the OJT workbook during the three months? Is

it not enough if I complete the jobs assigned to me?

2.1 The OJT workbook helps you improve your performance in a

structured manner. It helps you set your goals, plan on a weekly basis
and review your performance. Use the OJT workbook as your diary:

 To record your activities

 Reflect on your experiences
 Seek feedback from your mentor
 Work systematically towards improvement of performance

2.2 This will ensure that you achieve the learning objective of the OJT
and come out successfully as a professional banker with the objective
of “first day-first hour productivity”.

2.3 The OJT workbook needs to be submitted/produced when called for
by visiting officials/HR. One of the parameters of OJT evaluation is
effective use of OJT workbook and schedule in the learning process.

3. The framework given in Part A is comprehensive but it lists out

function-wise break-up of the Branch activities. How do I know
what are the specific job roles / skills that I need during the
OJT, specifically for performance in different deptt.s?

Discuss with your mentor/reporting authority about the specific knowledge,

skills and attitude required in your job in a particular deptt. and set the
overall agenda / plan accordingly and capture the same in the OJT diary.

4. My mentor is very busy. Do I need to disturb him/her every
week for the weekly planner and review?

Smart people ask for help!

As a banker, you need to ensure customer satisfaction and compliance to
procedures. It is important that you are on the right track. The weekly
planner and review will help you learn in a structured manner.

Please request your reporting authority to give you time every week to
discuss the weekly plan and review which will improve your productivity.

The Controlling authorities at Bank of Baroda Corporate office will be

instructing the reporting authorities / mentors also accordingly.

5. I want to excel during OJT. How can I achieve success?

Success Mantras

Behavioral / Functional Skills

 Exhibit behaviors as per the traditions, practices and culture of Bank

of Baroda - Passion, Customer First and compliance with conscience
and ethics.
 Ensure customer satisfaction in all your engagements.
 Adhere to norms in all engagements.
 Take initiative to overcome constraints in achieving your goals
 Collaborate with your team members and leverage on
interdependencies to add value to others and self
 Apply your knowledge to ensure completion of your tasks effectively
 Complete your tasks with speed and accuracy
 Take initiative in overcoming constraints and ensure customer
 Be proactive in contributing to the team and the organization

 Take learning initiatives to enhance Functional Knowledge:
 Take initiative to acquire further functional knowledge on
products, processes, procedures relating to the business /
transactions handled.
 Go through the circulars, product and process manuals, e-
learning modules and group specific links/websites to continue
adding to your knowledge.
 Use the OJT schedule and workbook to learn on the job in a
structured manner
 Seek feedback to consistently improve performance

6. How do I approach my role in each department?

A general flow / pattern for approaching your role in each department is

given below:

I. Entry in a new Deptt.

 Walkthrough of the Department and understand deliverables of the role

 Login to various systems

II. Work as understudy with a senior colleague

 Put through transactions on the job and/or undertake activities related to

the role (operations, sales, service, analytical, etc.) / work under the
guidance of superiors/senior colleagues

 Work at different desks/specializations in that Deptt. and understand the
role and responsibilities of the team / each staff member in that deptt.

 Understand the processes, audit and compliance aspects and measures

related to that deptt. and practice adherence

III. Understand the forward and backward linkages

 Visit to the clients, sales, operations offices, back offices (where they are
located in the same centre), other supporting businesses as applicable to
the respective role.

 Interaction with different functionaries in various departments / other units

including back office units

 Understand the process flow of the entire business and delivery of

customer service through different channels

 Take up a supervisory role / handle jobs independently in various

desks/specializations under guidance and supervision of senior

IV. Continue working in guided role and take up a methods

improvement task (PROJECT)

 Take up one or more process (in sales, service, operations, transactions,

analysis, compliance, etc. that has/have a significant impact on
business/customer service of the branch/department

 Analyze the problem and identify areas of improvement

 Generate ideas/methods for improvement and present the same along

with cost/benefit analysis to your Reporting Authority/Department Head

 Based on guidance of your Reporting Authority, implement your idea and

record the impact (verbal/written/visual)

V. Record any method improvement tasks carried out by you in the

respective Deptt. in your diary in the specific weekly page.

The Reporting Authority / Mentor will allot a Branch-specific Project to the

intern. The project will be among the following topics to be allotted as per
the discretion of the Reporting authority:

 Analysis of Branch profitability

 Report on the Business development opportunities for the Branch.

 Report on Strategies for Business development of the Branch

 Methods improvement of one or more process (in sales, service,

operations, transactions, analysis, compliance, etc.) that has/have a
significant impact on business/customer service of the Branch.

Whichever topic is allotted to you as a PROJECT, the same must be

detailed out and presented with full details, analysis of the improvements
and impact or the findings / recommendations in the form of a Project
Report. The Project Report typically should have the following flow:

Project Title
Certificate from the Mentor / Reporting authority
Table of Contents
Executive Summary
Introduction / Background
Related theory / literature (If any)
Study / analysis
It is utmost necessary to complete the project which will be allotted to you
within the stipulated time since the timelines for submission are fixed. Delay
in sending the evaluated reports and diary will only result in delaying the
final result and thereby have repercussions on joining date, etc.
Part A-Broad OJT Schedule
DAY 1 Business /  Overall Branch overview and business handled
Branch by the Branch to be given by Br. Head / Mentor
Overview  Introduction to other staff of the Branch
 Scrutiny of Account Opening forms for KYC &
AML Compliance Menu HOPNACCT
 Account Opening in Omni Flow & Forward to
 Operations in the Savings Accounts thro Finacle
system. Transactions through Menus HTM,
 Procedure to open various types of accounts viz,
Blind, Illiterates, etc
 Operational issues in NRI Savings Accounts
Week 1  Risk based categorization of Savings accounts as
per PMLA Act
Savings  Procedure to convert Savings account from single
(DEPOSITS) name to joint names - Modification through the
 Nomination Facility – Record, Change-
Modification through the Menu HACM & Claim
under nomination
 Operation through Mandate / Power of attorney
 Conversion of Inoperative Accounts in to
operative accounts - Modification through the
 Closure of Savings Accounts - Menu HCAAC
 Transfer of Savings Accounts to other branch
 Inter SOL transactions in Finacle - Menu
 Stop Payment of cheque - Menu HSPP
 Operational issues with respect to ASBA
 Death claim procedures in Savings Account
 Answering Customer Queries
 Registering Standing Instruction - Menu HSIM
 Freeze & Defreeze of Savings Accounts - Menu

 Interaction with prospective Savings Bank
 Handling of End of Day procedures in Finacle
 Scrutiny of Account Opening forms for KYC &
Week 2 AML Compliance
 Account Opening in Omni Flow & Forward to
(DEPOSITS – Current  Operations in the Current Accounts thro Finacle
Contd.) Deposits system – Transactions through Menus HTM,
 Stop payment of cheques Menu HSPP
 Temporary overdraft in current account Menu
 Risk based classification of current accounts
 Procedure to open current accounts for different
constitution viz, Proprietor, Partnership, Pvt. Ltd &
Public Ltd Companies etc
 Operational issues in NRI Current Accounts (NRO
& NRE) & EEFC Accounts
 Collection Accounts / Escrow accounts
 Operation through Mandate / Power of attorney
Current Modification through the Menu HACM
Deposits  Conversion of Inoperative Accounts in to
operative accounts Modification through the Menu
 Closure of Current Accounts Menu HCAAC
 Transfer of Current Accounts to other branch
 Cheque return procedures
 Death claim procedures in Current Account
 Answering Customer Queries
 Registering Standing Instruction Menu HSIM
 Freeze & Defreeze of Current Accounts - Menu
 Exchange of information by Banks
 Interaction with prospective Current account
 Account Opening
 Fixed Deposits, Short Deposits, Recurring
Deposits Menu HOAACTD, Printing of Receipts
 Renewal of Deposits - Only on the maturity date
through the Menu HTDREN, Extension of TDs -
 Prepayment of Deposits Menu HCAAC
 Operations of Term Deposit / FD Accounts thro
Finacle system

Week 3  Operational aspect of auto-sweep & reverse
sweep in Finacle
Term Deposits  Procedure in case of lost Deposit Receipts Menu
Contd.)  Addition/Deletion of name in Fixed Deposit
Receipts and Recurring Deposit Accounts Menu
 Procedure for transfer of Time Deposit Account
to another branch Menu HACXRSOL
 Operational issues in NRI Deposits (NRO, NRE,
 Safe custody of Deposit Receipts
 Issues in Tender Deposits, Guarantee Money,
Deposit of the amount of compensation awarded
by the Claims Tribunal etc.
 Deduction of Income Tax at source from payment
of Interest on Time Deposits. Menu TDSCON /
 Death claim procedures in Term Deposits
 Marking lien over Deposits - Menu HALM
 Answering Customer Queries
 Registering Standing Instruction for Recurring
Deposit - Menu HSIM
 Interaction with prospective FD customers
 Procedure for issuance of Debit Card Menu DCR
 Different variants in Debit Card
 Procedure for Linking / Delinking of Accounts
 Escalation Matrix for Complaint Resolution
Debit Cards  Procedure for issuing add-on cards
 Procedures for issuing prepaid cards – Gift Card

 Retail & Corporate Module

 Eligibility Criterion
 Features and Limitation of DCR Menu
Week 4  Regeneration of password - Menu REGPW
 Online Tax Payment thro Baroda Connect
(Digital  Fund Transfer Limit under Retail & Corporate
Banking & Baroda Connect
 Online payment of School fees / Institutional fees
Alternative  Fund transfer facility with in self / third party /
Delivery other banks (NEFT / RTGS) – Through a common
channels) Menu HPORDM
 Escalation Matrix for Complaint Resolution
 ASBA thro Baroda Connect

 Details of Services under M-Connect Plus
 Mobile Banking Registration through ATM,
Internet Banking & Base Branches
 Activation of application software in the Mobile
M-Connect Plus  Procedure for Linking / Delinking of Accounts
 De-Registration of M-Connect Plus facility
 Procedure to be followed if Mobile lost

BHIM  Details of Services under BHIM

 Registration for BHIM
 Activation of application software in the Mobile
 Procedure for putting through transactions using
Baroda M-Pay  Details of Services under BHIM
 Registration for BHIM
 Activation of application software in the Mobile
 Procedure for putting through transactions using
Baroda M-Clip  Details of Services under M-Clip
 Registration for M-Clip
 Activation of application software in the Mobile
 Procedure for putting through transactions using
M-Clip App.
 Receipts and Payments Menu HTM,
 Cash Module in Finacle
Operations  Preparing challans / vouchers
 Authorisation of entries Menu HTM,
 Awareness of rules of Receipt & Payment
 Custody of cash in strong room
operations &  Arriving requirement of funds for Branch and
Remittances) receiving from currency chest
 Disposal of excess fund to currency chest
Cash / Funds  Safety & security measures in cash remittance &
Management cash movement within the branch.
 Counterfeit Currency Notes – detection &
 Procedure in respect of Exchange of Mutilated

 RTGS / NEFT - Inward & Outward Through a

common Menu HPORDM
 Issuance of DD / Banker’s Cheque Menu HDDMI
 Validity of Banker's Cheques / DD and
Week 5 revalidation Menu HDDSM

(Contd.) Remittances  Loss of Banker's Cheques / DD Menu HDDLOST
 Stop payment of Demand Draft / Banker’s
 Procedural aspect in receipt of remittance
proceeds through Money Gram & XPress Money
remittance schemes from overseas.

 Various Insurance Plans offered by India First Life

 Filling of Applications & obtaining all relevant
documents from Customer.
India First Life  Transaction through Finacle
Insurance  Premium renewal procedures at Branch
 Data mining for Cross Selling in Finacle
 Baroda First Wealth Pack – Operational
procedures in Finacle.

 Various Insurance Plans (Non life) offered by

National Motor Insurance, TATA AIG Car,
International Travel, Health, Accident, Student
Week 6 travel Insurance, Star Health Insurance, Max
Bupa Health Insurance, Cholamandalam car,
(Third Party travel, Health Insurance, India first Baroda Health
Products /  operational issues
Wealth  Coverage of Insurance to all assets charged to
Bancassurance the Bank
Management &  Maintenance of Insurance due date dairy
Advisory) Mediclaim
 Coverage of suitable risks for different type of
 Average clause in Insurance
 Bank clause in Insurance premium
 Waiver of Insurance – Procedure
 Baroda Health – Medi -claim – Operational aspects

Baroda Pioneer  Various Mutual Funds offered by Baroda Pioneer

Mutual Fund
 Filling of Applications & obtaining all relevant
documents from customer.
 ECS facility feeding in the system
 Data mining for Cross Selling in Finacle

 Depository services – NSDL / CDSL
Week 6  DEBOS software; Opns / transactions in DEBOS
 Role of CBODPO
(Contd.) On line  Scrutiny of account opening form and KYC
trading/Demat / Compliance
ASBA/Three in  Activities at branches
one account  Three in one Account (including trading account)
 Operation, Accounting,
 Activities at Branches

 Answering Customer Queries about Retail Loan

 Coordination and communication with Retail Loan
 Execution & Vetting of Documents
 Pre Disbursement Inspection
 Handling of Collaterals –HCLM, HSCLM
 Disbursement of Retail Loan in stages Menu
Retail Credit
 Review of Accounts
 Loan against Bank’s Own Deposit Menu
 Insurance of Assets charged to the Bank
 PSR reporting
 Transactions in Finacle Menu HLADISB,
 Rephase / Re schedulement of Retail Loans
 Data entry in ASCROM & Generation of various
reports from ASCROM
 Monitoring & Follow up for recovery
 Answering Customer Queries on SME Products
 Due diligence- conducting meaningful interview
with Prospective/ existing borrower, Pre-sanction
Investigation, obtaining CIBIL/Equifax reports,
Credit reports. Accessing to RBI defaulter list,
CRILC, ECGC caution list & search reports.
Week 7 Verification of I-T & sales tax returns for genuinity
and understanding its relevance for credit
appraisal Negative list & probe42.
(LENDING)  Execution & Vetting of Documents
 MCA21, process of charge filing.
 Equitable Mortgage Creation
SME Credit /  Pre disbursement & Go down Inspection
Wholesale  Post sanction Inspection
accounts (If  Disbursement of SME Loan. Menu HLADISB
 Scrutiny of stock & Book Debt statement, QIS /

QMR & Financial statement/ Fixing DP
 Covering under CGTMSE
 Limit Maintenance & Limit Node in Finacle Menu
 Review of Accounts
 Insurance of Assets (Primary & Collateral
securities) charged to the Bank
 PSR Reporting & Control returns
 Transactions in Finacle Menu HLADISB,
 Re-phase / Reschedule of SME Loans
 Credit Rating in BOBRAM Module/SME manual
credit rating.
 Data Entry in CERSAI
 Excess / Adhoc limit to the clients Menu HACLHM
 Non Fund Based Business - Financial &
performance Guarantees & Letter of Credits
 Preventive Vigilance – Credit Operations
 Data entry in ASCROM & Generation of various
reports from ASCROM
 Monitoring & Follow up for recovery
 Monthly Monitoring reports (MMR) & Quarterly
Monitoring reports (QMR)
 Attending the credit related queries in the reports
 Concurrent Audit
 Statutory Audit
 Credit Audit
 Stock Audit
Credit  Post Sanction Inspection
Monitoring &  Prevention of Revenue Leakages in Credit
Recovery Accounts
Week 8 & 9  Early warning signals & Incipient sickness
 Compromise settlement
(LENDING-  Rephase / Reschedule / Restructure of Advances
accounts & CDR Mechanism
Contd.)  Settlement through Lok Adalat / DRT
 Procedures to be followed for recovery under
 Legal actions – Suit File & execution of decree
 Foreign Currency Deposits
 Export & Import Finance – Regulatory Guidelines
& Practical Issues
 Examining the documents drawn under L/C &
Scrutiny for discrepancies in Letter of Credit

 L/C opening in Finacle & Lodging of Bills in
 Foreign Currency Loan – FCNR B Loan & ECB
Week 10  Buyer’s Credit & Suppliers Credit Menu HODCM,
(LENDING-  ECGC Policy - Procedures
Contd.)  Operation under Gold Card scheme for Exporters
 Exchange rate mechanism & Reporting system to
 Country Risk Management reporting
 Various reports & Stmt. in FOREX – R-returns,
Sales  Lead Generation
 Accompanying Marketing Officer in field visits
 Understand various selling techniques for retail
loans / liability products from sales executives of
RLF / CSO / Sales identified people of the Branch

Week 11

Week 12  Utilities of HRNes & Payroll Packages
 Job Rotation with in Branch
 Attendance, Punctuality & Discipline
(SALES)  Staff Meetings
Staff  HR Audit & How to attend Audit report
Administration  Hours of work & overtime
 Welfare measures to the employees
 Calculation of Bonus as per Bonus Act
 EPMS – allocation of Key Responsibility Areas
 Premises – Lease Deed
Week 13  Sign Boards & Mandatory display boards
including Complaint / Suggestion Box
General Branch  Furniture & Fittings – Depreciation & entry of Fixed
( BRANCH Administration Asset into FASSET Module.
ADMINISTRATION )  Stationery – Annual Indent
 Security forms – Maintenance in dual control
 Destroy of old records

 Fire Safety measures in Branch
 Security Alarm system & CCTV Maintenance
 Security of Networking equipments
 Prevention of use of external software / floppies in
CBS network
 Restriction to the access of Enterprise PC
Preventive  Secrecy of Finacle Password
Week 13 Vigilance –  Disabling the user in Finacle who is on leave
Operations /  Freezing the user id of suspended employee
(Contd.) System  Logout from the application at the time of leaving
the terminal
 Verification of BR, Exception report, Daybook etc
daily basis.
 Random verification of Interest application / Lien
noting in FDR / FCNR Reversal of proxy entries

Part B –My Weekly Planner –Week-no. .



Update Knowledge Customer needs/products/process/procedures/policy

Acquire Skills Desk Activities:

Field Activities:

Other Learning

Signature of Intern Signature of Mentor

Part C-Weekly Tracker and Review –Week No. - .

Learning Performance Constraints Mentor’s Remarks





Applications Skills

Speed and Accuracy

Customer satisfaction

Other initiatives

Learning Points for the week


Signature of Intern Signature of Mentor

Part D- Final review and Evaluating by Reporting Authority

(To be completed close to the end of the third month of OJT, as per the
timelines given)
 You need to complete the Project Work assigned. The topic will be given to
you by your Mentor / Reporting Authority upon your reporting to the Branch.
 Please note that the evaluation will be done by your reporting authority.
 The Evaluation questionnaire would be sent to the reporting authority. An e-
mail will be sent to your reporting authority informing about the timelines for
 You need to take the initiative to ensure effective completion of evaluation:

 Take week on week feedback from the reporting authority and

continuously work on improving your performance.
 In case there is a change of reporting authority, please ensure that it is
duly reflected.
 Approach your reporting authority for completion of the evaluation within
the specified timelines.
 Please write to Chief Manager, Mr. D. Ajit Kumar, Chief Manager
(Student Relations) at BMSB immediately in case your reporting
authority is not available / not able to give the assessment.

 Please follow up with your reporting authority to get the evaluation

completed and the Reports sent to Research, Learning & Development
Dept. in time.

 The following need to be sent to Research, Learning & Development Dept.

by Courier, positively by the timelines prescribed:
 The complete OJT diary, duly evaluated by your Mentor / Reporting
 Final Project Report, duly printed and binded (spiral binding will be
 Evaluation proforma, duly filled in by your Mentor / Reporting Authority.

You can use more pages of Part B and Part-C, as required, for recording
your weekly plans and progress during your OJT period.

Best wishes for a successful OJT! Start

using the OJT diary to jot down your