Career opportunities in finance

1. Career opportunitiesCareer opportunities
inin
FinanceFinance

2. Presentation byPresentation by
R.VijayaraghavanR.Vijayaraghavan
Head- Training,Head- Training,
Sakthi Finance LtdSakthi Finance Ltd
Head-Finance,Head-Finance,
Sakthi Excellence AcademySakthi Excellence Academy

3.  Retd.Retd.
Assistant General ManagerAssistant General Manager
Canara Bank

Ex PrincipalEx Principal
Karur Vysya
Bank Ltd

5. Choose NowChoose Now
A jobA job
oror
Higher studies for aHigher studies for a
higher qualificationhigher qualification

6. As a MBA studentAs a MBA student
you are the most soughtyou are the most sought
after person by anyafter person by any
CorporateCorporate

7. Globalization
&
Liberalization
Fierce
competition
companies
are trying hard
to reduce their overhead costs
and maximizing profits.

8. Hunt for professionalsHunt for professionals
Who can manage financesWho can manage finances
properly to maintain financialproperly to maintain financial
viability and soundness of theviability and soundness of the
companies.companies.
The financial managers with aThe financial managers with a
specialized MBA (Finance)specialized MBA (Finance)
degree can achieve thisdegree can achieve this
herculean task.herculean task.

9. Role of a financial managerRole of a financial manager
To supervise theTo supervise the
preparation of financialpreparation of financial
reportsreports
Guide investment activitiesGuide investment activities
Execute cash-managementExecute cash-management
strategies.strategies.

10. MBAs can be employed
In public and private sector as aIn public and private sector as a
finance controllerfinance controller
Treasurer and finance officerTreasurer and finance officer
Credit managerCredit manager
Cash managerCash manager
Risk ManagerRisk Manager
Insurance Manager.Insurance Manager.

11. Wide variety of job
opportunities
In BanksIn Banks
Financial institutionsFinancial institutions
Insurance companiesInsurance companies
Mutual fundsMutual funds
Investment companies.Investment companies.

12. Starting salary pm
 Finance Manager-Rs 20 K to 30 K in privateFinance Manager-Rs 20 K to 30 K in private
sector.sector.
 In public sector the pay scale is lower than thatIn public sector the pay scale is lower than that
of private sector.of private sector.
 The pay scale may go up depending uponThe pay scale may go up depending upon
qualifications, ability and experience of thequalifications, ability and experience of the
person concerned.person concerned.
 At a senior level a MBA graduate with Finance asAt a senior level a MBA graduate with Finance as
specialization can well go up to Rs 50000 to Rsspecialization can well go up to Rs 50000 to Rs
60000 per month.60000 per month.
 Besides those who has taken up consultancy asBesides those who has taken up consultancy as
a career are also getting handsome returns.a career are also getting handsome returns.

13. A steady career
growth
&
countless
opportunities

14. Wealth in India
Held by individualsHeld by individuals
Rs. 144 lakh crsRs. 144 lakh crs
(2012-13)(2012-13)

15. We need Specialist
to handle this
wealth.
That is you

16. Your Job could be
Join the finance department ofJoin the finance department of
a corporationa corporation
Work in a bankWork in a bank
Be in the Financial servicesBe in the Financial services
sectorsector
Enter the lucrative world ofEnter the lucrative world of
investment banking andinvestment banking and
financial markets.financial markets.

17. The option in Finance
 Emphasizes the development ofEmphasizes the development of
theoretical and practical approaches totheoretical and practical approaches to
financial managementfinancial management
 Security analysis, and PortfolioSecurity analysis, and Portfolio
managementmanagement
 Involves the analytical study of moneyInvolves the analytical study of money
markets, options and futures, real estate,markets, options and futures, real estate,
insurance, and financial institutions.insurance, and financial institutions.
 Financial and non-financial institutionsFinancial and non-financial institutions
 Government and its agenciesGovernment and its agencies

18. Analytical careers
Employment in bankingEmployment in banking
InsuranceInsurance
InvestmentsInvestments
Personal financial planning.Personal financial planning.

19. Sales careers
Employment inEmployment in
insurance, securities,insurance, securities,
and mutual fund salesand mutual fund sales
Great ScopeGreat Scope

20. Managerial careers
Managerial employmentManagerial employment
in the financial servicesin the financial services
industry.industry.
BM /AM /VP /AVPBM /AM /VP /AVP

21. You should possess
Strong analytical skillsStrong analytical skills
Quantitative skillsQuantitative skills
Computer skillsComputer skills
Communication skillsCommunication skills

22. Employers generally seek
MBAs withMBAs with
strong work ethicstrong work ethic
excellent written and verbalexcellent written and verbal
communication skillscommunication skills
an ability to work well withan ability to work well with
others.others.

23. Area of Specialization
 Back OfficeBack Office
 Credit Control & CollectionsCredit Control & Collections
 Debt InstrumentDebt Instrument
 DerivativesDerivatives
 Finance/BudgetingFinance/Budgeting
 Financial AnalysisFinancial Analysis
 ForexForex
 Funds ManagementFunds Management
 Investment BankingInvestment Banking
 Investor RelationshipInvestor Relationship
 Loan/MortgageLoan/Mortgage
 Money MarketsMoney Markets
 Rating ServicesRating Services
 Retail FinanceRetail Finance
 Shares ServicesShares Services

24. 2 Basic career paths in finance..
1.1. Managerial financeManagerial finance::
Involves managingInvolves managing
the finance functionthe finance function
for businesses infor businesses in
the manufacturingthe manufacturing
and trade industries.and trade industries.
These industriesThese industries
make and sellmake and sell
consumer andconsumer and
commercialcommercial
productsproducts..
2.2. Financial servicesFinancial services
industry:industry:
creates and sellscreates and sells
financial productsfinancial products
or services.or services.
Banking,Banking,
securities, realsecurities, real
estate, andestate, and
insurance are allinsurance are all
financial servicefinancial service
industriesindustries

25. CAREER PATH 1:
MANAGERIAL FINANCE
A career inA career in
managerial financemanagerial finance
can lead to thecan lead to the
highest levels of thehighest levels of the
firmfirm

26.  Capital Budgeting Analyst/Manager**Capital Budgeting Analyst/Manager**
 Cash Manager**Cash Manager**
 Credit Manager*Credit Manager*
 Financial Analyst*Financial Analyst*
 Treasurer**Treasurer**
 Pension Fund Manager**Pension Fund Manager**

27. CAREER PATH 2:
FINANCIAL SERVICES
The financial services industry isThe financial services industry is
the fastest-growing area in finance.the fastest-growing area in finance.
It offers career opportunities inIt offers career opportunities in
-Banking-Banking
-Securities-Securities
-Real estate-Real estate
-Insurance.-Insurance.

28. SECURITIES
Financial PlannerFinancial Planner
Investment BankerInvestment Banker
Securities AnalystSecurities Analyst
StockbrokerStockbroker

29. REAL ESTATE
 Mortgage BankerMortgage Banker
 Real Estate LenderReal Estate Lender
 Real Estate Agent/Broker(ResidentialReal Estate Agent/Broker(Residential
and Commercial)and Commercial)
 Real Estate AppraiserReal Estate Appraiser
 Property Real Estate Asset ManagerProperty Real Estate Asset Manager

30. INSURANCE
Insurance Agent/BrokerInsurance Agent/Broker
UnderwriterUnderwriter
ActuaryActuary
Loss Control SpecialistLoss Control Specialist
Risk ManagerRisk Manager

31. Let us
move over to the
Banking sector
now.

32. An Enthusiastic Banker
 Joined the Bank in 1965 as officerJoined the Bank in 1965 as officer
 Manager in 1971Manager in 1971
 Quick out of turn promotions, based onQuick out of turn promotions, based on
excellent performanceexcellent performance
 Deputy General manager in 1981Deputy General manager in 1981
 Joint General manager & GeneralJoint General manager & General
manager in quick successionmanager in quick succession
 ED & CMD thereafter in 1987ED & CMD thereafter in 1987
Youngest Chairman of a PSB at 42Youngest Chairman of a PSB at 42

33. Who is he?Who is he?

34. B.RatnakarB.Ratnakar
ofof
Canara BankCanara Bank
Dynamic!

35. ELEVATION – SKY IS THE LIMIT
BORN in 1961
 1982 Graduation and completed ICWA
 1984 Joined the bank as Mgmt.Trainee
 1993 core member of new setup in the Bank
 1994 Elevated as AGM
 1996 Got Promoted as DGM
 1998 Selected to head a division as GM
 2001 Attaining the level of ED
 2006 Appointed as Dy. Managing Director
 2007 CFO/JMD and 2009 CEO/MD
IDENTIFY this young lady

36. Ms.CHANDA
KOCHHAR
MD & CEO
of
ICICI Bank Ltd

37. A Career in banking
Will help in
Designing the
Destiny of
our Nation

38. Every day, this religious cityEvery day, this religious city collectscollects
Rs 3 crs as offering from devoteesRs 3 crs as offering from devotees

39. Every year, the beaches of GoaEvery year, the beaches of Goa
attract $3 million from foreign tourists

40. In the last decade, the city of BombayIn the last decade, the city of Bombay
has contributed Rs 3,000 crs to the
GDP

41. From sleepy villages …
to small friendly towns …
to modern industrial cities …
to the bustling
metropolis
… the Banks in India
steer all
economic activity of the
nation

42. From a small villageFrom a small village
farmer …farmer …
in ways we are not even
aware of.
everyday, the Banks touch our
lives
to a young
businessman…
to an international
entrepreneur

43. -Decades of building the
economy
and changing lives
-Banks are the architects of
the nation’s economy
and the Banks’ decisions
touch
everyday lives of all Indians.

44. Opportunities for YOU
… a career in finance

46. Life with Banks is not
just another job. It’s a
commitment.
Commitment to serve the
nation, where your
decisions make an impact
on the way the economy
and the financial sector in

47. •
**Banks are attracting job
aspirants in a big way
*3 Lakh POs and Clerks
in the next 3 years

48. Bank Organisaional ChartBank Organisaional Chart
Executive Director
General manager
Dy.General manager
Asst General manager
Divisional manager
Senior manager
Manager
Assistant Manager
Officer
MD & CEO
Chairman
Career path
in PSBs

49. Banks
Recruit
For
New
branches
Retirement Expansion

50. BUSINESS GROWTH
 YEAR DEPOSITS ADVANCESYEAR DEPOSITS ADVANCES
(Rs. In crs)(Rs. In crs)
 1972 7,610 5,4801972 7,610 5,480
 1980 33,377 (4.7) 22,068 (4.2)1980 33,377 (4.7) 22,068 (4.2)
 1990 1,73,515 (5.2) 1,05,450 (4.5)1990 1,73,515 (5.2) 1,05,450 (4.5)
 2000 8,13,345 (4.6) 4,35,958 (4.4)2000 8,13,345 (4.6) 4,35,958 (4.4)
 2010 44,92,826 (5.3) 32,44,788 (7.4)2010 44,92,826 (5.3) 32,44,788 (7.4)
 2011 58,36,361 (1.3) 40,45,219 (1.2)2011 58,36,361 (1.3) 40,45,219 (1.2)
 2012 66,65,580 (1.1) 47,53,783 (1.1)2012 66,65,580 (1.1) 47,53,783 (1.1)
 2013 77,00,000 53,00,0002013 77,00,000 53,00,000
(figures in bracket = number of times)(figures in bracket = number of times)

51. STAFF STRENGTH in BANKS
YEAR PSB OTHERS
1995 997,601 65,091
2000 10,06,631 77,671
2005 9,00,433 99,480
2010 9,26,028 1,33,014

52. Social
Esteem
Skill
Enhancement
Banking
Offers
Intellectual
Fulfillment
Stability
Think
Together
Family

53. Sources for Bank jobsSources for Bank jobs
Websites of BanksWebsites of Banks
Advertisements in Papers, financialAdvertisements in Papers, financial
Magazines etcMagazines etc
Internet sitesInternet sites
Placement centresPlacement centres
Campus interviewCampus interview
Job referralsJob referrals
HR DepartmentsHR Departments

54. Pursuing a Career inPursuing a Career in
the Banking Industrythe Banking Industry
Who are the BankersWho are the Bankers
looking for youlooking for you
What types of financeWhat types of finance
careers are possiblecareers are possible
How to get a Bank jobHow to get a Bank job

55. RBI
Public
sector
banks
Old
generation
Private
sector banks
Foreign
banks
New
Generation
Private
sector banks
Which
Banks
recruit?

56. Which Banks recruit?
All new banks that
are going to be
licensed before
Mar 2014.

57. This year---Vacancies in banks
 PSBs alone-56000PSBs alone-56000
 Branch expansion by PSBs-10000Branch expansion by PSBs-10000
 2000 by RRBs2000 by RRBs
 In 2012-13, PSBs recruited 63000 peopleIn 2012-13, PSBs recruited 63000 people
 19 NBs alone to have 442 GMs19 NBs alone to have 442 GMs

58. Development
banks
Coop
Banks
Foreign
Banks
39
NEW
Gen Pvt
Sec banks
7
Old Gen
Pvt Sec
Banks
15
RRBs
82
Nationalized
banks
20
SBI
&
Associates
6
Banks
In India

59. Number of
Bank
Branches
PSBs
69498
Pvt.Sec
Banks
13408
RRBs
16597
One branch for
every 12000
population
(approximately)
Classified as
Rural, Semi Urban,
Urban & Metro
(BASING ON SIZE
OF THE POPULATION)

60. New Gen Private Sector Banks
1. ICICI Bank Ltd.
2. HDFC Bank Ltd.
3. Development Credit Bank Ltd.
4. IndusInd Bank Ltd.
5. Kotak Mahindra Bank Ltd.
6. Axis Bank (earlier UTI Bank)
7. Yes Bank Ltd.

61. Old Private Sector Banks
1. Bank of Rajasthan1. Bank of Rajasthan
Ltd.Ltd.
2. Catholic Syrian2. Catholic Syrian
Bank Ltd.Bank Ltd.
3. City Union Bank3. City Union Bank
Ltd.Ltd.
4. Dhanalakshmi4. Dhanalakshmi
Bank Ltd.Bank Ltd.
5 Federal Bank Ltd5 Federal Bank Ltd
6. ING Vysya Bank Ltd.6. ING Vysya Bank Ltd.
7. Jammu and7. Jammu and
Kashmir Bank LtdKashmir Bank Ltd
8 Karnataka Bank Ltd.8 Karnataka Bank Ltd.
9. Karur Vysya Bank9. Karur Vysya Bank
Ltd.Ltd.
10. Lakshmi Vilas10. Lakshmi Vilas
Bank Ltd.Bank Ltd.

62. Public Sector Banks
1. Allahabad Bank1. Allahabad Bank
2. Andhra Bank2. Andhra Bank
3. Bank of Baroda3. Bank of Baroda
4. Bank of India4. Bank of India
5. Bank of Maharashtra5. Bank of Maharashtra
6. Canara Bank6. Canara Bank
7. Central Bank of India7. Central Bank of India
8. Corporation Bank8. Corporation Bank
9. Dena Bank9. Dena Bank
10. Indian Bank10. Indian Bank
11. Indian Overseas Bank11. Indian Overseas Bank
12. Oriental Bank of12. Oriental Bank of
CommerceCommerce
13. Punjab and Sind Bank13. Punjab and Sind Bank
14. Punjab National Bank14. Punjab National Bank
15. Syndicate Bank15. Syndicate Bank
16. UCO Bank16. UCO Bank
17. Union Bank of India17. Union Bank of India
18. United Bank of India18. United Bank of India
19. Vijaya Bank19. Vijaya Bank
20. Industrial Development20. Industrial Development
Bank of India (IDBI) LtdBank of India (IDBI) Ltd

63. Associates of SBI
1.1. State Bank of Bikaner & Jaipur
2. State Bank of Hyderabad
3. State Bank of Mysore
4 State Bank of Patiala
5. State Bank of Travancore

64. Foreign Banks in IndiaForeign Banks in India
ABN-AMRO Bank N.VABN-AMRO Bank N.V
Abu Dhabi Commercial Bank Ltd.Abu Dhabi Commercial Bank Ltd.
American Express Bank Ltd.American Express Bank Ltd.
Barclays Bank PLCBarclays Bank PLC
BNP ParibasBNP Paribas
Citibank N.A.Citibank N.A.
DBS Bank LtdDBS Bank Ltd
Deutsche Bank AGDeutsche Bank AG
HSBC Ltd.HSBC Ltd.
Standard Chartered BankStandard Chartered Bank
State Bank of Mauritius Ltd.State Bank of Mauritius Ltd.

65. Career in BankingCareer in Banking
 Banking is one of the most sought after careerBanking is one of the most sought after career
choicechoice
 Entry into a well paid, secure and statusEntry into a well paid, secure and status
career.career.
 Not necessarily for commerce/economicsNot necessarily for commerce/economics
students alonestudents alone
 Majority of bank officers are from differentMajority of bank officers are from different
streams of education.streams of education.
 Bright graduates from any subject can getBright graduates from any subject can get
entry in the PSBs through an All Indiaentry in the PSBs through an All India
Examination conducted by them.Examination conducted by them.
 Banks are now appointing MBAs, CAs andBanks are now appointing MBAs, CAs and
CFAs alsoCFAs also

66. PSBsPSBs
IBPS conducts online exam twice a
year
For clerks & officers for 20 PSBs
The score card given is valid for
one year
The card to be submitted to the
concerned bank with the
application form.

67. Test of
General
awareness
50 marks
Test of
english
25 marks
Test of
Numerical
ability
50 marks
Test of
Reasoning
50 marks
Computer
Knowledge
50 marks
Online
exam
Descriptive
paper
in english-25 marks
Precis writing,
Comprehension,
Essay
Total marks -225+25= 250

68. Types of JobsTypes of Jobs
 Marketing executivesMarketing executives
 Financial analystsFinancial analysts
 Information technology specialistsInformation technology specialists
 HR Trainers/ Functional trainingHR Trainers/ Functional training
 Investment counsellorsInvestment counsellors
 Insurance consultants (Bancassurance)Insurance consultants (Bancassurance)
 Merchant banking activitiesMerchant banking activities
 Factoring & Forefaiting/Leasing activitiesFactoring & Forefaiting/Leasing activities
 Out sourcing of activities (ATM, Data entry)Out sourcing of activities (ATM, Data entry)
 International TradeInternational Trade

69. Opportunities in Commercial banks
 Investment bankingInvestment banking
 Retail bankingRetail banking
 Financial managementFinancial management
 AccountancyAccountancy
 AuditingAuditing
 SecuritiesSecurities
 CommoditiesCommodities
 Financial services sales.Financial services sales.
 Financial analysisFinancial analysis
 Credit analysisCredit analysis
 Marketing of Insurance , MFs, Gold etcMarketing of Insurance , MFs, Gold etc

70. Types of Banking positions
Banking
Investment,,
Commercial
Merchant
Corporate
Finance
Sales &
Trading
Asset
Management
Treasury
Sale of Insurance,
Mutual Funds Products
IT related

71. InvestorInvestor
RelationsRelations
StrategicStrategic
PlanningPlanning
CRM
Special
Positions
ResearchResearch
&&
ConsultancyConsultancy
PortfolioPortfolio
ManageManage
mentment
BulkBulk
LendingLending
Types of BankingTypes of Banking
positionspositions
WealthWealth
managementmanagement

72. Broader Scope
Tech savvy new private sector
banks have broadened the scope
and range of banking services:
--Mutual funds
--Securitisation business
--Credit cards
--Consumer loans
--Housing loans
--Trading in gold and forex business

73. Foreign/ Private sectorForeign/ Private sector
BanksBanks
 To join at higher than entry level oneTo join at higher than entry level one
needs specialisation in some specificneeds specialisation in some specific
areas.areas.
 Examples: Expertise in projectExamples: Expertise in project
analysis, credit appraisal skills,analysis, credit appraisal skills,
managing huge loan portfolios, Foreignmanaging huge loan portfolios, Foreign
exchange.exchange.
 Good computer knowledge is alwaysGood computer knowledge is always
preferred.preferred.

74. Scope
Need for front office personnel
Relationship managers
Customer Relation officers
Supervisors who handle most back
office operations like completion of
transactions, general ledger work
Branch Managers

75. Attractive salary packages
PSBs –Rs.20000+
Private
sec.bks-Rs.25000+
FBs –

76. Remuneration PackageRemuneration Package
 This will vary from Bank to BankThis will vary from Bank to Bank
 Public sector will have uniform pay scalesPublic sector will have uniform pay scales
for routine jobsfor routine jobs
 Specialist qualification will attract higherSpecialist qualification will attract higher
emolumentsemoluments
 Start pay could be from Rs.1.2 lakhs forStart pay could be from Rs.1.2 lakhs for
clerical cadre and Rs. 2.2 lakhs for officersclerical cadre and Rs. 2.2 lakhs for officers
 In majority of cases, the package will be onIn majority of cases, the package will be on
merits, qualifications, experience,merits, qualifications, experience,
challenges etcchallenges etc
 Performance based incentivesPerformance based incentives

77. IFBI –Institute of Finance,IFBI –Institute of Finance,
Banking & InsuranceBanking & Insurance
 4 month Post Graduate Diploma in Banking+ at4 month Post Graduate Diploma in Banking+ at
IFBIIFBI
 100% Placement assistance for private sector100% Placement assistance for private sector
banks.banks.
 Age:<25 yrs (Born on or after :1st August 1989)Age:<25 yrs (Born on or after :1st August 1989)
 4 month intensive career program.4 month intensive career program.
 > 50% in X , XII and Graduation> 50% in X , XII and Graduation
 1 year gap allowed1 year gap allowed
 Final year graduate students can also applyFinal year graduate students can also apply

78. GROWTH POTENTIAL
 ““The sector could grow 16%-to-24% perThe sector could grow 16%-to-24% per
annum year-on-year for the next decade.annum year-on-year for the next decade.
That means by 2020, we as a sector can beThat means by 2020, we as a sector can be
five times what we are today.five times what we are today. So the growthSo the growth
opportunity is hugeopportunity is huge””
 "We have to focus more on using capital"We have to focus more on using capital
better, using money better and using ourbetter, using money better and using our
human resources better”.human resources better”.
--Ms.Chanda Kochhar, MD & CEO, ICICI--Ms.Chanda Kochhar, MD & CEO, ICICI
BankBank

79. GROWTH POTENTIAL
 "The total No.of"The total No.of new-generationnew-generation customerscustomers
who are in the working age group and who arewho are in the working age group and who are
going to join the banking sector,going to join the banking sector, NextGenNextGen
customerscustomers isis 400 mn.”400 mn.”
 "The number of new customers who are"The number of new customers who are
actually next-generation customers gettingactually next-generation customers getting
added to the banking sectoradded to the banking sector is equal to theis equal to the
total number of customerstotal number of customers whom we are nowwhom we are now
catering to. That’s huge.”catering to. That’s huge.”
---- Mr. M.V.NairMr. M.V.Nair of Union Bank of Indiaof Union Bank of India

80. Boston Consulting Group on BANKING
PERSONNEL REQUIREMENT
““The banking industry will need to hireThe banking industry will need to hire 9-9-
11 lakh employees over the next five11 lakh employees over the next five
years”years”
SBI to recruit 6,000SBI to recruit 6,000 this yearthis year
In total, 1.8 lakh retiring employees will beIn total, 1.8 lakh retiring employees will be
replaced.replaced.
Depending upon the productivity growth,Depending upon the productivity growth,
thethe industry will need 2.5-4.5 lakhindustry will need 2.5-4.5 lakh
additional peopleadditional people for growth in businessfor growth in business

81. Boston Consulting Group Report
On attrition
12% in PSBs within the year
 22% in new generation priv sec banks
 20% in old private sector banks
 PSBs are not losing their fresh
hires in large numbers.

82. Boston Consulting Group
On work culture
Clearly, there is an
element of public sector
culture and work
environment that is
working for the fresh hires
to stay

83. Boston Consulting Group
On compensation
PSBs may not be
facing attrition today
because relative
compensation at junior
levels is good.

84. PUBLIC SECTOR BANKS-FOCUS
PSBs are now focusing on
 Special Training Programs
 Fast-track promotions
 Preferred location posting
 Job rotations
 Structured Promotion Policy

85. ELEVATION – SKY IS THE LIMIT
 MR.ANUP SANKER BHATTACHARYA
 AGRI GRADUATE 1970 FROM KALYANI UNIVERSITY
(NORTH)
 1971-1992 JOINED TRAINEE OFFICER IN UNITED BANK
OF INDIA
 AND WORKED IN DIFFERENT BRANCHES
 1992 BRANCH HEAD
 1992-1994 REGIONAL MANAGER
 1994-1999 SECRETARY TO CMD OF THE BANK
 1999-2004 DEPUTY GENERAL MANAGER
 2004-2008 GENERAL MANAGER
 2008-2010 ED OF INDIAN BANK
 2010-2012 CMD OF BANK OF MAHARASTRA
 AND DIRECTOR OF IBPS

86. No dearth of opportunities
Enjoy the work
Set goals & become leaders at
young age
Be committed, dedicated and
sincere, to go up the ladder

87. CARRY THECARRY THE BASKETBASKET
B-- BEHAVIOURB-- BEHAVIOUR
A-- ATTITUDEA-- ATTITUDE
S-- SKILLS-- SKILL
K-- KNOWLEDGEK-- KNOWLEDGE
E-- EMOTIONE-- EMOTION
T-- TALENTT-- TALENT
SUCCESS WILL BE YOURS.SUCCESS WILL BE YOURS.

88. ““You were born toYou were born to
Succeed!Succeed!
Success isSuccess is
Nature’s law.”Nature’s law.”

91. What the Banks expect from You?What the Banks expect from You?
How to present your resume ?How to present your resume ?
How articulate, you should be, in GD ?How articulate, you should be, in GD ?
Assertiveness ..the watchword forAssertiveness ..the watchword for
Interviews.Interviews.
Career Opportunities in Banking

92. Banks look forBanks look for……………………
Good communication skillsGood communication skills
Excellent interpersonal skillsExcellent interpersonal skills
Ability to deal with customersAbility to deal with customers
Alert natureAlert nature
Basic knowledge of the industry.Basic knowledge of the industry.
 Decision making skillsDecision making skills
Leadership qualitiesLeadership qualities

93. What the Banks expect from you ?What the Banks expect from you ?
 An in depth thorough knowledgeAn in depth thorough knowledge
 Articulating abilityArticulating ability
 Aggressiveness & AssertivenessAggressiveness & Assertiveness
 Capacity to ConvinceCapacity to Convince
 Command over 2/3 languagesCommand over 2/3 languages
 Writing skillWriting skill
 Presentation skillsPresentation skills
 Common senseCommon sense
 Presence of Mind with Pleasant mannersPresence of Mind with Pleasant manners

94. Expectations of these Banks from youExpectations of these Banks from you
PGPBM withPGPBM with::
Knowledge of the Banking IndustryKnowledge of the Banking Industry
Commitment to the industry and BankCommitment to the industry and Bank
High I.Q and basic skillsHigh I.Q and basic skills
Ability to add valueAbility to add value immediatelyimmediately
Personality traits that enhance teamPersonality traits that enhance team

95. Intelligence and Basic SkillsIntelligence and Basic Skills
 You should have proven:You should have proven:
IntelligenceIntelligence
Analytical & problem solving skillsAnalytical & problem solving skills
Oral & written communication skillsOral & written communication skills
Teamwork and leadership skillsTeamwork and leadership skills
Organization skills and results orientationOrganization skills and results orientation
Focus complemented by ability to see theFocus complemented by ability to see the
whole picturewhole picture
Customer impact (internally and/or externally)Customer impact (internally and/or externally)

96. Personality Traits toPersonality Traits to
Enhance TeamEnhance Team
You will enhance the workingYou will enhance the working
environment and team effectiveness asenvironment and team effectiveness as
a result of your :a result of your :
MaturityMaturity
Confidence (complemented by humility)Confidence (complemented by humility)
Poise and presencePoise and presence
Sense of humorSense of humor
Emotional IQEmotional IQ

97. How to get a bank JobHow to get a bank Job
Students will get jobs if they:Students will get jobs if they:
Prepare well;Prepare well;
Use initiative and politeUse initiative and polite
persistence;persistence;
Show skills, characteristics,Show skills, characteristics,
commitment and confidencecommitment and confidence
employer is looking for.employer is looking for.
Practical orientationPractical orientation

98. PreparationPreparation
 Prepare personal inventory of relevantPrepare personal inventory of relevant
strengths, weaknesses, and ways instrengths, weaknesses, and ways in
which you can add value immediatelywhich you can add value immediately
 Research the Banking industry,Research the Banking industry,
companies and types of jobs in which youcompanies and types of jobs in which you
are interestedare interested
 Keep up with the market and currentKeep up with the market and current
events by reading the financial dailies andevents by reading the financial dailies and
other periodicalsother periodicals

99. Preparation (contd)Preparation (contd)
 NetworkNetwork with friends, family, classmates,with friends, family, classmates,
alums, old colleagues, etcalums, old colleagues, etc
 Prepare for interviews:Prepare for interviews:
Anticipate interview questions andAnticipate interview questions and
practice responses;practice responses;
Think of selling points you want toThink of selling points you want to
stress;stress;
Be prepared to provide examples toBe prepared to provide examples to
support your points; andsupport your points; and
Think of good questions to ask theThink of good questions to ask the
interviewer.interviewer.

100. PGPBM & The “Efficient Manager”PGPBM & The “Efficient Manager”
In the modern business worldIn the modern business world
1.1. it is important to be an efficient ‘Manager'.it is important to be an efficient ‘Manager'.
2.2. In almost every field of business, the role of aIn almost every field of business, the role of a
skilled manager is undeniable.skilled manager is undeniable.
3.3. PGPBM degree is one among the most widelyPGPBM degree is one among the most widely
recognized post graduate degreerecognized post graduate degree
4.4. PGPBM is meant for those who have the urgePGPBM is meant for those who have the urge
to make it BIG in business and management.to make it BIG in business and management.
5.5. PGPBM is a globally recognized professionalPGPBM is a globally recognized professional
course, which is taught in recognized B-course, which is taught in recognized B-
Schools of the world.Schools of the world.

101. Younger generation is::Younger generation is::
- always on the lookout for- always on the lookout for
something exciting and bettersomething exciting and better
- does not want to be limited- does not want to be limited
in its choice of careers.in its choice of careers.
- following the strategy of- following the strategy of
experimenting withexperimenting with
professionsprofessions
- the options seem almost- the options seem almost
unlimitedunlimited

102. Price Waterhouse Coopers report::Price Waterhouse Coopers report::
1. The size of India's economy1. The size of India's economy
would grow to 90% of the US bywould grow to 90% of the US by
2050.2050.
2.China could overtake US by 20252.China could overtake US by 2025
to become the world's largestto become the world's largest
economy and will continue to groweconomy and will continue to grow
to around 130% of the size of theto around 130% of the size of the
US by 2050US by 2050

103. From AshokFrom Ashok
Kumaramangalam Birla toKumaramangalam Birla to
Chadha Kochar are all MBAs.Chadha Kochar are all MBAs.
In ICICI Bank, all the top postsIn ICICI Bank, all the top posts
are held by MBAs.are held by MBAs.

104. EMPLOYABILITY SKILLS GAINEDEMPLOYABILITY SKILLS GAINED
BY MBAsBY MBAs
 Academic achievementAcademic achievement: demonstrates application and high: demonstrates application and high
standards of performance;standards of performance;
 Communication skillsCommunication skills: listening, speaking carefully and: listening, speaking carefully and
clearly, the ability to put across your arguments fluently inclearly, the ability to put across your arguments fluently in
writing;writing;
 AnalysisAnalysis: distinguishing relevant from irrelevant information,: distinguishing relevant from irrelevant information,
identifying issues and problems;identifying issues and problems;
 CommitmentCommitment: seriousness of purpose, demonstrated both by: seriousness of purpose, demonstrated both by
taking time out from your career on a reduced salary (or notaking time out from your career on a reduced salary (or no
salary) in order to improve your qualifications and bysalary) in order to improve your qualifications and by
combining work and part-time study;combining work and part-time study;
 PracticalityPracticality: realism, ability to set attainable goals;: realism, ability to set attainable goals;
 MaturityMaturity: tenacity, independence, organisation;: tenacity, independence, organisation;

105. EMPLOYABILITY SKILLS GAINED BY MBAsEMPLOYABILITY SKILLS GAINED BY MBAs
(contd..)(contd..)
 DecisivenessDecisiveness: fact-finding skills, clarity,: fact-finding skills, clarity,
judgement, courage;judgement, courage;
 Intellectual creativityIntellectual creativity: the ability to develop new: the ability to develop new
concepts and ideas;concepts and ideas;
 Capacity for hard workCapacity for hard work: embodying self-: embodying self-
motivation, self-discipline and time management;motivation, self-discipline and time management;
 Group skillsGroup skills:: teamworkteamwork, leadership, ability to, leadership, ability to
motivate others;motivate others;
 The mastery of IT skillsThe mastery of IT skills: knowledge of statistical: knowledge of statistical
packages, spreadsheets, databases andpackages, spreadsheets, databases and
programming languages;programming languages;
 Cross-cultural awarenessCross-cultural awareness:: working with fellow-working with fellow-
students from many different nationalities andstudents from many different nationalities and
backgrounds.backgrounds.

106. AdditionalAdditional skills to a high level through anskills to a high level through an
MBA:MBA:
 The ability toThe ability to overcome difficultiesovercome difficulties and toand to
solve problemssolve problems;;
 To beTo be independentindependent and to have developed theand to have developed the
skill ofskill of managing your own time and workmanaging your own time and work;;
 To be capable ofTo be capable of original and creativeoriginal and creative
thought;thought;
 ToTo argue your case with logicargue your case with logic andand not to benot to be
easily dissuadedeasily dissuaded by the views of others.by the views of others.

107. SkillsSkills (required) to be acquired::-(required) to be acquired::-
 CommunicationCommunication
(Body language,(Body language,
Listening )Listening )
 InterpersonalInterpersonal
relationshipsrelationships
 Team buildingTeam building
 LeadershipLeadership
qualitiesqualities
 Presentation skillsPresentation skills
 Rapid reading skillsRapid reading skills
 Analytical thinkingAnalytical thinking
 Positive attitudePositive attitude
 SWOT AnalysisSWOT Analysis
 To learn & cultivateTo learn & cultivate
Business &Business &
workplaceworkplace
etiquettesetiquettes
 MemoryMemory

108. CAREER PATH 1:CAREER PATH 1:
1. FINANCIAL SERVICES1. FINANCIAL SERVICES
2. BANKING2. BANKING
a. Loan Officera. Loan Officer
b. Credit Analystb. Credit Analyst
c. Risk Managerc. Risk Manager
d. Branch Managerd. Branch Manager
e. IT Managere. IT Manager

109. CAREER PATH 2:CAREER PATH 2:
SECURITIESSECURITIES
a.a. Financial PlannerFinancial Planner
b. Investment Bankerb. Investment Banker
c. Securities Analystc. Securities Analyst
d. Stockbrokerd. Stockbroker

110. CAREER PATH 3CAREER PATH 3
 REAL ESTATEREAL ESTATE
Mortgage BankerMortgage Banker
Real Estate LenderReal Estate Lender

111. Banking areasBanking areas
 To join foreign or private sector banks atTo join foreign or private sector banks at
higher than entry level one needshigher than entry level one needs
specialisation in some specific areas. Forspecialisation in some specific areas. For
example expertise in project analysis,example expertise in project analysis,
credit appraisal skills, managing hugecredit appraisal skills, managing huge
loan portfolios and foreign exchange.loan portfolios and foreign exchange.
 Good computer knowledge is alwaysGood computer knowledge is always
preferred.preferred.
 Recently, 2 MBAs from XLRI wereRecently, 2 MBAs from XLRI were
recruited by 2 Foeign Banks at a CTCrecruited by 2 Foeign Banks at a CTC
level of Rs. 1 cr & 1.2 crs respectivelylevel of Rs. 1 cr & 1.2 crs respectively..

112. Banking JobsBanking Jobs
MBAs recruited by privateMBAs recruited by private
and foreign banks are givenand foreign banks are given
plum packages to the extentplum packages to the extent
of about Rs 25000-30000 aof about Rs 25000-30000 a
month.month.

113. Be a TQI…Be a TQI…
TOTAL QUALITY INDIVIDUALTOTAL QUALITY INDIVIDUAL
 KNOW yourselfKNOW yourself
 TIME MANAGEMENTTIME MANAGEMENT
 Your SWOT ANALYSISYour SWOT ANALYSIS
 YOUR Clear OBJECTIVESYOUR Clear OBJECTIVES
 NEVER COMPROMISE IN ACQUIRINGNEVER COMPROMISE IN ACQUIRING
KNOWLEDGEKNOWLEDGE
 FEEDBACK & REVIEWFEEDBACK & REVIEW

114. On TQI,On TQI,
Swami Vivekananda said:Swami Vivekananda said:
“Each individual is himself“Each individual is himself
responsible for making his life. Heresponsible for making his life. He
should concentrate on his goalshould concentrate on his goal
and should not rest until it isand should not rest until it is
achieved. Our Young men must beachieved. Our Young men must be
strong”strong”

115. A Fresher’s resumeA Fresher’s resume
 Statement of ObjectiveStatement of Objective
 Achievements so far including ITAchievements so far including IT
 Your StrengthsYour Strengths
 Experience through InternshipsExperience through Internships
/Projects/Projects
 Educational backgroundEducational background
 Address for CommunicationAddress for Communication
 email id Cell Numberemail id Cell Number

116. How to create a resume ?How to create a resume ?
Presentation :Presentation :
 Neatly typed on Good paperNeatly typed on Good paper
 Not more than two pages (max)Not more than two pages (max)
 Avoid grammatical and spellingAvoid grammatical and spelling
errorserrors
 Two References should be givenTwo References should be given
of which one could be yourof which one could be your
Professor & MentorProfessor & Mentor
 Your signatureYour signature

117. Expectations from a GDExpectations from a GD
 Your extensive reading habitYour extensive reading habit
 Your interest in current affairsYour interest in current affairs
 Your ability to discuss withYour ability to discuss with
smiling facesmiling face
 Your ability to convince peopleYour ability to convince people
with valid argumentswith valid arguments
 Your hidden leadership capacityYour hidden leadership capacity

118. Assertiveness ..Assertiveness ..
the watchword for Interviewsthe watchword for Interviews
 Before the InterviewBefore the Interview
 On the day of the InterviewOn the day of the Interview
 After the interviewAfter the interview

119. Assertiveness ..the watchwordAssertiveness ..the watchword
for Interviews…Beforefor Interviews…Before
 Name of the interviewerName of the interviewer
 Organisational structureOrganisational structure
 Divisions/departments that interest youDivisions/departments that interest you
 Products/ServicesProducts/Services
 Training ProgramsTraining Programs
 Size of companySize of company
 Career pathCareer path

120. Assertiveness ..the watchwordAssertiveness ..the watchword
for Interviews…… Beforefor Interviews…… Before
 How long have they been in businessHow long have they been in business
 Types of customersTypes of customers
 Growth in the past and future potentialGrowth in the past and future potential
 Job description & job titleJob description & job title
 New products and services they areNew products and services they are
developingdeveloping
 Employee benefitsEmployee benefits
 Geographic location of Head office, branchesGeographic location of Head office, branches

121. Assertiveness ..the watch word forAssertiveness ..the watch word for
Interviews….BeforeInterviews….Before
Sample QuestionsSample Questions
 How would you describe yourself?How would you describe yourself?
 What are your short term & long termWhat are your short term & long term
GoalsGoals
 How are you preparing yourself toHow are you preparing yourself to
achieve them?achieve them?
 Company expectationsCompany expectations
 Attire maketh’ a manAttire maketh’ a man

122. Assertiveness ..the watch word forAssertiveness ..the watch word for
Interviews….On the day of InterviewInterviews….On the day of Interview
 Good body languageGood body language
 Be comfortableBe comfortable
 Listen attentivelyListen attentively
 Avoid nervous mannerismsAvoid nervous mannerisms
 Speak clearlySpeak clearly
 Be positive and enthusiasticBe positive and enthusiastic

123. Assertiveness ..the watch word forAssertiveness ..the watch word for
Interviews….On the day ofInterviews….On the day of
InterviewInterview
 At the end of the interview, Say thanksAt the end of the interview, Say thanks
 Follow up for positive resultsFollow up for positive results

124. To attain SuccessTo attain Success
1.1. Re-evaluate and re-examine your purposeRe-evaluate and re-examine your purpose
2.2. Believe in your abilitiesBelieve in your abilities
3.3. Plan, visualize, imagine, and 'picturize'Plan, visualize, imagine, and 'picturize'
your futureyour future
4.4. Use ink, the missing linkUse ink, the missing link
5.5. Move into motionMove into motion
6.6. Be resolute and determinedBe resolute and determined
7.7. Do these daily!Do these daily!

126. DO IT, by All Means.

127. It is your Journey.It is your Journey.
Make it an Excellent one.Make it an Excellent one.
ALL THE BESTALL THE BEST