Indian Overseas Bank Recruitment 2025 for Internal Ombudsman

Recruitment of Internal Ombudsman on Contract Basis in Indian Overseas Bank

Indian Overseas Bank (IOB) Recruitment 2025 for Internal Ombudsman : Overview

Indian Overseas Bank, a leading Public Sector Bank with its Headquarters in Chennai and a geographical presence across India and abroad, is inviting applications from eligible candidates, for the recruitment of an Internal Ombudsman (IO) on a contract basis. Candidates are advised to carefully read the advertisement to ensure eligibility before submitting their online application or paying the required charges.¹

IOB Recruitment 2025 for Internal Ombudsman : Key Details

Position: Internal Ombudsman (IO)
Vacancies: 01 (Unreserved)
Employment Type: Contract Basis
Organisation: Indian Overseas Bank (A Govt of India Undertaking)
Headquarters: Central Office, 763, Anna Salai, Chennai – 600002
Reporting Structure: The Internal Ombudsman will report administratively to the Executive Director In-charge of the Customer Service Department of the Bank, and functionally to the Board of Bank.
Remuneration: Consolidated Pay of Rs.1,00,000/- per month, all-inclusive, subject to deduction of taxes.
Other Facilities: Car with Driver & Petrol, Telephone/Mobile expenses, and in case of travel on outstation duty, eligible Travelling, Halting allowance at par with the General Managers in TEG Scale VII of the Bank.
Contract Tenure: A fixed term of 3 years, subject to Annual Review of Performance. The IO shall not be eligible for reappointment or for extension of term.
Termination Clause: The contract can be terminated at three Month’s notice on either side and salary and allowances in lieu thereof.
Leave Eligible: 12 casual leave (CL) in a year at the rate of 1 CL for every month of service. Privilege Leave (PL) computed at one day for 11 days of service on duty, provided that at the commencement of service no PL can be availed of before completion of 6 months of service on duty. There will be no provision for leave encashment.
Working Hours: The appointed candidate shall report at the Bank at the commencement of the working hours on all the working days. The working hours shall be the usual hours as applicable on all days except Sundays and holidays declared under N.I. Act.
Place of Posting: Central Office, Chennai.
Nature of Engagement: The terms & conditions of engagement are wholly and simply governed by the provisions of the contract and the engagement shall not be construed as an employment in the bank and the provisions of PF/Gratuity/pension etc., shall not apply. No other allowance/payment/benefit/facility from the bank other than what has been mentioned above, shall be payable. The appointment on contract is for a specified period and should not be construed as an offer of employment or a regular employment in the Bank.

Eligibility Criteria

All the eligibility criteria (Qualification, Age, Experience etc.) for this post shall be computed as on 01.07.2025 (inclusive).

Age: Maximum Age 65 as on 01.07.2025.
Qualification and Work Experience: Either be a Retired or serving Officer, not below the Rank of General Manager or equivalent of another Bank / Financial Sector Regulatory Body /NBSP/NBFC / CIC, having necessary skills and experience of minimum 7 years of working in areas such as Banking, Non-Banking Finance, Regulation, Supervision, Payment and Settlement Systems, Credit Information or Consumer protection.
Exclusion: Shall not have worked / working in our Bank (Indian Overseas Bank) or our Subsidiaries / related parties.

Role and Responsibilities of Internal Ombudsman

The IO shall not handle complaints received directly from the customers or members of public but deal with the complaints that have already been examined by the Bank but have been partly or wholly rejected by the Bank.

The following types of complaints shall not be handled by the Internal Ombudsman:

Complaints related to corporate frauds, misappropriation etc., except those resulting from deficiency in service, if any, on part of the Bank.
References in the nature of suggestions and commercial decisions of Bank. However, service deficiencies in cases falling under ‘commercial decisions’ will be valid complaints for Internal Ombudsman.
Complaints / reference relating to (i) internal administration, (ii) human resources, or (iii) pay and emoluments of staff in the Bank.
Complaints which have been decided by or are already pending in other fora such as the Consumer Disputes Redressal Commission, Courts, etc.
Disputes for which remedy has been provided under Section 18 of the Credit Information Companies (Regulation) Act, 2005.

Bank shall forward all rejected / partially rejected complaints under categories (a) and (b) above to the Internal Ombudsman. The IO shall look for inherent deficiency in service in such cases and take a view whether any of these complaints can be exempted under (a) and / or (b) above as decided by Bank.

Complaints that are outside the purview of IO Scheme shall be immediately referred back to the Bank by the Internal Ombudsman.

The IO shall analyze the pattern of complaints such as product / category wise, consumer group wise, geographical location wise, etc., and suggest means for taking actions to address the root cause of complaints of similar / repeat nature and those that require policy level changes in the Bank.

The IO shall examine the complaints based on records available with the Bank, including any documents submitted by the complainant and comments or clarifications furnished by the Bank to the specific queries of the Internal Ombudsman. The IO may seek additional information and documents from the complainant, through the Bank. The IO must record a “reasoned decision” in each case.

The IO shall hold meetings with the concerned functionaries of the Bank and seek any record document available with the bank that are necessary for examining the complaint and reviewing the decision. Bank shall furnish all records and documents sought by the Internal Ombudsman to enable expeditious resolution of the complaints without any undue delay.

The IO shall, on a quarterly basis, analyze the pattern of all complaints received against the Bank, product-wise, category-wise, consumer group-wise, geographical location-wise, etc., and may provide inputs to the Bank for policy intervention, if so warranted.

The IO shall not represent the bank in legal cases before any court or for a or authority.

In cases of conciliation, where decision of IO is accepted by the complainant, a statement showing the terms of agreement duly signed by the complainant, shall be kept on record.

Periodical interaction of IO with front line staff of the Bank to help them gain insights on the ground level implementation of grievance redress and plug the gaps identified.

Bank shall hold regular interface of the Internal Ombudsman with Product and Business Vertical Heads for discussing the grievance redress angle of specific activities and products of the Bank.

How to Apply

Pre-Requisites for applying Online:

Go through the detailed advertisement available under the title “Recruitment of Internal Ombudsman on Contract Basis” in the Bank’s website under “Careers” page and ensure candidate’s eligibility before applying.
Scan their photograph and signature ensuring that both adhere to the required specifications as given in Annexure I.
Scan the following documents in PDF format with each size less than 200KB: Birth Certificate / SSC Certificate for Proof of Date of Birth (Mandatory to upload), Final Degree Certificate / Consolidated Mark Sheet in respect of passing Graduation / PG / Professional Courses (as single PDF file in case of completion of multiple degrees) (Mandatory to upload), Work Experience Certificate (Mandatory to upload), No Objection Certificate from Employer, if applicable.
Keep the necessary details/documents ready for Online Payment of the requisite Intimation charges.
Have a valid personal email ID, which should be kept active throughout the entire recruitment process.

Intimation Charges (Non-Refundable):

The eligible candidates who are interested to apply have to pay an amount of Rs. 1000/- inclusive of GST as intimation charges, payable from 12.07.2025 to 21.07.2025 (both dates inclusive) through Online Mode only. Bank Transaction charges for Online Payment of Intimation charges through internet banking payment facility of any Bank (other than IOB)/ Credit card will have to be borne by the candidate. Intimation charges once deposited shall neither be refunded nor be adjusted against any other recruitment process.

Procedure for applying online:

Candidates are first required to go to the Bank’s website and click on the “Careers” Page to open the link “Recruitment of Internal Ombudsman on Contract Basis” and then click on the Apply Online link.
Candidate has to first Register Online by clicking “Click here to Register Online”.
On successful registration, E-mail will be sent to the candidates along with the Registration Number and Password for applying Online. Candidates should note this Unique Registration Number and Password for future reference failing which they will not be able to proceed further.
Now, Candidates have to Click the menu “Click here to Apply Online”.
Candidates will have to enter all the required details in the online application form.
Candidates are required to upload their photograph and signature as per the specifications given in the Guidelines for Scanning and Upload of Photograph and Signature (Annexure I).
Candidates should fill in the details in the Online Application at appropriate places very carefully and click on the “SUBMIT” button. Before pressing the “SUBMIT” button, candidates are advised to verify that every field is filled in the application using the “RECHECK”/ “PREVIEW” button. The name of the candidate or his/her father/husband etc. should be spelt correctly as it appears in the certificates/mark sheets; any change/alteration found may disqualify the candidature.
On successful submission, a message “Application Successfully Submitted” will be displayed.
Next, Click “Upload Relevant Documents” Menu to upload the Birth Certificate / Degree (UG/PG) / Work Experience Certificate / No Objection Certificate (if applicable).
Candidates should take a printout of the system generated submitted Online application form by clicking the “Print your Application” link & save the printed application form for future reference.

Payment by Online Mode:

Candidates who have submitted the Online Application successfully may proceed for payment of intimation charges through Online Mode.
For making the payment candidates are required to click on “Online Payment of Intimation Charge”.
The payment can be made using Debit Card/ Credit Card or Internet Banking mode only.
Candidates opting for Internet Banking would be provided with two options: Payment through IOB Net Banking or Payment through Other Banks’ net banking.
On successful completion of the transaction, an e-receipt will be generated. Candidates are required to take a printout of the e-receipt for future reference. Candidates can also reprint the E-receipt at a later date by clicking on “Reprinting E-receipt after payment of Intimation Charges” link.

Selection Process

After scrutiny of the online applications received, only eligible candidates will be called for Personal Interview.²

Mere fulfilling minimum qualification and experience will not vest any right in candidate for being called for interview.

The shortlisting committee constituted by the Bank will decide the shortlisting parameters and thereafter, adequate number of candidates, as decided by the Bank will be shortlisted and called for interview.

The Bank would be free to reject the candidature of any candidate at any stage of the recruitment process, if he / she is found to be ineligible and / or furnished incorrect or false information / certificates / documents or has suppressed any material fact; and the fees paid by the ineligible candidates shall be forfeited.

The interview venue, time & date for Interview will be informed to the shortlisted candidates in the Interview call letter and candidates have to attend the same at their own cost. The call letter will be sent by email only. The details of shortlisted candidates for Interview or any other process will be hosted in the Bank’s website.

Request for change of Centre will not be entertained. However, the Bank reserves its right to change / add / cancel the selection process & schedule at its discretion, under unforeseen circumstances, if any. Change, if any, will be announced in the Bank’s website / by email.

The Bank will not be responsible for late receipt / non receipt of any communication from the Bank. Hence, candidates are requested to check their email and Bank’s website regularly, to keep track of the process.

The Interview process will carry an aggregate of 100 Marks and will be on aspects like 1) Subject Knowledge, 2) Communication Skills 3) Presentation & Attitude.

Final selection will be made on the basis of marks obtained by the candidates in the Interview process and will be according to the merit ranking.

Important Dates

Date of Advertisement: 11.07.2025
Online Registration of Applications: 12.07.2025 to 21.07.2025
Payment of non-refundable Intimation Charges (Rs.1000/- inclusive of GST) Online Mode: 12.07.2025 to 21.07.2025
Last Date for Online Registration and payment of intimation charges through online mode: 21.07.2025
Tentative date for the Personal Interview or Interview through Video Conference for the shortlisted candidates: Would be displayed in the Bank’s website.

Documents Required at Interview

The candidates will have to produce the following documents in ORIGINAL as well as SELF-ATTESTED PHOTOCOPIES along with one passport size photograph during the time of Personal Interview failing which their candidature will be cancelled:

Document evidencing date of birth such as Birth Certificate or School leaving Certificate/ SSC/HSC Certificate.
Final Degree Certificate &/Consolidated mark sheet in respect of passing Graduation, Post-Graduation degree & Professional Course.
Work Experience Certificates from their employers clearly stating the period and nature of Employment/ duties.
No Objection Certificate from their employer, in case of candidates serving in Government /Quasi Government Offices/Public Sector Undertakings including Nationalised Bank, Financial Institutions.
Printout of Online Application form along with Online Payment E-receipt also to be submitted mandatorily.

General Instructions

Candidates are required to apply only ‘ONLINE’. Any other form of application shall be rejected.
Incomplete applications / Applications without supporting documents will be rejected outright.
All candidates will have to produce, if called for interview, originals as well as attested photocopies of documents in support of their eligibility, failing which their candidature will be cancelled.
Candidates who do not satisfy the eligibility criteria and who do not produce the required documents shall not be permitted to attend the Interview.
Decision of the Bank in all matters regarding eligibility, selection etc. is final and binding on the candidate. The Bank reserves the right to withhold / cancel the recruitment partially / fully at any stage.
No representation/ correspondence or personal enquires shall be entertained by the Bank.
In case of any dispute on account of interpretation in any version other than English, the English version shall prevail.
Any dispute arising out of this advertisement shall be subject to the sole jurisdiction of courts situated at Chennai.
The Bank may, at its discretion, add/change the selection methodology.
Candidates uploading more than one application for any reason will be treated as ineligible.
Canvassing in any form will be treated as disqualification.
Candidates are advised to submit their applications well in time before the last date. The Bank does not assume any responsibility for late receipt of applications.
The version of the detailed advertisement given in the Bank’s website shall be treated as final.
Decision of the Bank in respect of all matters pertaining to this recruitment would be final and binding on all candidates.

Photograph & Signature Specifications (Annexure I)

Photograph Image:

Type: Recent passport style colour picture.
Background: Light-coloured, preferably white.
Pose: Look straight at the camera with a relaxed face.
Lighting: Have the sun behind you, or place yourself in the shade, to avoid squinting and harsh shadows. If using flash, ensure no “red-eye”.
Glasses: Ensure no reflections and eyes can be clearly seen.
Headwear: Caps, hats and dark glasses are not acceptable. Religious headwear is allowed but it must not cover your face.
Dimensions: 200×230 pixels (preferred).
File Size: Not more than 50KB. Adjust scanner settings (DPI resolution, no. of colours etc.) if the size exceeds.

Signature Image:

Medium: Sign on white paper with Black Ink pen.
Authenticity: Must be signed only by the applicant.
Usage: Will be used on the Hall Ticket and wherever necessary. If the Applicant’s signature on the answer script at the time of the examination does not match the signature on the Hall Ticket, the applicant will be disqualified.
Dimensions: 140×60 pixels (preferred).
File Size: Not more than 20KB.

Scanning Guidelines for Photograph & Signature:

Resolution: Set the scanner resolution to a minimum of 200 dpi (dots per inch).
Color: Set Color to True Color.
File Size: As specified above.
Cropping: Crop the image in the scanner to the edge of the photograph/signature, then use the upload editor to crop the image to the final size.
Format: JPG or JPEG format.
Tools: MS Windows/MSOffice users can obtain required format and size using MS Paint or MSOffice Picture Manager.
If the file size and format are not as prescribed, an error message will be displayed.

Procedure for Uploading Photograph and Signature:

Browse and Select the location where the Scanned Photograph / Signature file has been saved.
Select the file and click on it.
Photo and signature will be uploaded automatically once you submit the online application.

Scanning Documents for Uploading:

Scan the documents in PDF format ONLY.
Each document size must be less than 200KB.
Mandatory Documents: Birth Certificate / SSC Certificate for Proof of Date of Birth, Final Degree Certificate / Consolidated Mark Sheet in respect of passing Graduation / PG / Professional Courses (as single PDF file in case of completion of multiple degrees), Work Experience Certificate.
Optional: No Objection Certificate from Employer, if applicable.
Online Application will not be registered unless you upload your photograph, signature and relevant documents as specified.

Note: In case the face in the photograph or signature is unclear or documents uploaded are unclear, the candidate’s application may be rejected. After registering online, candidates are advised to take a printout of their system generated online application forms.

Reference and Notification Links

Disclaimer

The information provided here is based on official notifications and announcements and it is for general information purposes only. These information should not be construed as official notifications. While every effort has been made to ensure accuracy, human errors may occur. Readers / Candidates are strongly advised to verify details from the respective official sources. We strongly recommend that you check the full texts of the official notifications and announcements issued by the Government Organisations, Institutions, Companies etc. while applying for jobs and before taking decisions of not to apply for any job vacancy/ies. We cannot be held liable for any inaccuracies.

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Indian Overseas Bank Recruitment 2025 for Internal Ombudsman