Are you searching for an opportunity to kick-start a career in banking… seriously?
Hold on, Wait, read this first before you kick-start a thought!
Back in 2007, getting a job or starting a career in the banking industry was easier. You really think so?
Well, not really, it was as tough as today’s competition was, and even better in the sense that 6 out of 10 parents wanted their children to get into a bank. Why?
Because of job security, low-pressure job…. and “pension” that is if your fate lands you into a career in public sector bank.
That was really a myth then, now, and in the future.
After the launch of NPS(National Pension Scheme), it has become the government’s responsibility to pay pension. I hope that strongly happens!
Well, don’t worry opportunities are always looking GREEN on the other side.
Before you think about the psychological and emotional factors of riding a banking career here are 7 “X” factors that I want you to know about before making the check move —
boooooommmmm💥💥💥💥💥💥💥
1) Did you think – this Job was easy to get?
True from one angle, as a career in banking is an easy catch for a fresher with good financial knowledge and decent inter-personal skills. Even if the former isn’t that good, still a fresher can crack the interview almost smoothly. But the absolute truth is that an abnormal recruiter also analyzes your stress handling ability and most importantly your communication skills.
A banker should be an amazing listner, who could solve a customer’s problem and in turn crack revenue at the end of their conversation.
aWv
2) Are you doing this because you think this is the safest career available at present?
Okay, am not going to scare you. But I have seen people getting pink-slips because of their negligence while executing financial transactions, ignorant of the latest bank policies, insensible client interactions as more.
Hence you have major two risks involved in the banking career:—
#a) Financial and
#b) Legal
You need sharp eyes, big ears, a sensitive nose, a brave tongue, and a strategic brain to survive. Else your ride wouldn’t be memorable!
3) Did you choose – this career because your peer applied for this?
Your peers are just like you, yet to be professionals, so don’t run the same way they do. Try walking a path of your own!
4) Did you choose – this job because it is the only opportunity you got in a campus selection?
Well, that’s a coincidence!
Most of the banks started liking this mode of cost-effective recruitment, blame the highly paid HR lodestones for this. I agree that an HR Manager is the main person of recruiting a candidate in their company, but trust me they are not the best people when it comes to explaining a job role to you.
Now listen very carefully — do perform well in the interview with the HR manager, but don’t trust them completely. If the demand is high and the cost of hiring a candidate is attained for the said job role. Then ‘run’ you are their prey now! Do a re-check about your job role, how?
Easy, use a professional networking channel like the ‘linkedIn’ to revalidate your job role and ready to get stunned!
5) Have you ever gone to a bank?
It’s important to know your new neighborhood before buying a house there – is an old saying. But nearly effective, do visit a bank where your parents have an account and get ready for some mind-blowing truths. I assume you figured out why I said this…
6) Open an account with a bank first!
Get your account in the most popular but the nearest bank in your area. “Know your prayers better for the right purpose” — proverb would suite better here. Doing this will give you a general awareness of what ‘banking’ is!
And finally, my favorite —
7) Did your parents/teacher/mentor who are non-bankers advise you?
I thought that as much, this is the most popular question I get from banking aspirants, people like you who are at times driven by one PowerPoint, an idol, or even a mentor in front of you. Absolutely, nothing wrong in listening to them, but what if you could get some feedback from someone who has “been-there”. Yeah, you guessed it right – a banker himself.
And here is your surprise am that person who would love to listen and speak to you more.
Yes, I am that ‘you’ 13 years backward in time. I am an “unexpected banker” by profession! Been there and done all that…
When I stepped into your “banking career”…
There were only two choices —
A public sector bank or A private sector bank.
Into Retail Banking Operations or Into Retail Banking Sales…
Sounds like some weird job at a retail store 😂 right?
Close, but not that yet!
Retail Banking – is nothing but your daily banking business to the general public. Simple!
And the basic job roles available in a bank branch unlike then are:-
∆ From Operations Point-Of-View in a flagship branch office!
#1] Branch Operations Manager
#2] Teller – Cashier
#3] Customer Service Executive
#4] Lobby Manager
#5] Teller – Transactions Initiator
#6] Teller – Transaction Authoriser
#7] Outward Cheque Clearing Executive
#8] Inward Cheque Clearing Executive
#9] Phone Banking Officer
#10] Mobile Banking Activation Officer
#11] NetBanking Activation Officer
#12] Audit Officer
#13] Bank Statements Executive
#14] Forex Transaction Executive
#15] Trade Transaction Executive
#16] KYC and Accounts Opening Specialist
#17] Welcome Kit Custodian
#18] Locker Key Custodians
#19] Term and Fixed Deposit Specialist
#20] Customer Complaints and Grievance Redressal Specialist.
∆ From Sales Point-Of-View in a flagship branch office!
#1] Branch Sales Manager
#2] Branch Head
#3] Savings Accounts Acquisition Executive
#4] Current Account Acquisition Executive
#5] Relationship Manager
#6] Account Activation Officer
#7] Trade Product Sales Manager
#8] Forex Product Sales Manager
#9] Cash Management System Sales Manager
#10] NRI Account Acquisition Executive
#11] Wealth Relationship Manager
#12] Wealth Advisor
#13] Insurance Advisor
Are some of the most core and crucial job roles available in retail banking apart from the other significant segments ahead.
Since you have read this far I am convinced that you have understood the gist of the job roles mentioned above.
Now it’s your turn!
If you think this was a valuable 🥧 of information and want to share it with your friend in the same shoes — I won’t stop you from doing it!
But if you think this read was just the “tip of some iceberg” and want to know more about — “Banking Jobs and Where to Find them?”
Just scroll down a bit and fill-in your details in the FORM SHEET and you could get an E-Book about that HOT topic mentioned above absolutely FREE as soon as I launch it…
That’s right — For free, as I want you to earn this time!
Have you heard the phrase “economics is the mother of all sciences even to digital marketing”?
It is true, in fact, physics could be the father!
If you figure out the basic ingredients that economics spills then rest should be duck-soup.
“Economics is an enquiry into the factors that determines the wealth of a country”.
Adam Smith
That is why they say learn economics before stepping on marketing whether digital or otherwise!
Let’s say if you had opted for the commerce group in class 11th. Your teacher would have explained economics as a science that studies human behavior which aims at the allocation of scarce resources in such a way that consumers can maximize their satisfaction, producers can maximize their profits and society can maximize its social welfare. So economics is technically the study of the economy at local and global levels.
Economics speaks about how the economy of a country exists, and where they are headed to and what they would achieve at a specific point in time. It is the study of how a society uses its resources to grow consciously. Hence, divided further into two – Macro & Microeconomics which in turn helps us in projecting a global and local view of the scenario the economy is currently moving through.
If you are targetting the audience worldwide, then global economics is what you need and vice versa if targetting a local audience. Using a pinch of economics dissolved in digital marketing one can find and connect to their end-users effectively. After all who wants to sell to the wrong audience by spending billions?
This also proves economics a tool to evaluate the value of currency{£¢€¥$} in any given scenario of an economy.
Now to convert this so-called currency into your bank from your end-user, you need “Marketing”.
Agreed or?
Then tell me, is marketing the same as selling?
#Marketing isn’t #Selling
Both are two ends of the world but interlinked by a thin dotted invisible line, as both compliments each other very well. Without the former, you can’t sell efficiently and without the latter, you can’t finish marketing.
Confused?
To make is lighter – let’s imagine Marketing is colored [white ] and selling in [red ]color. So what happens when you mix these colors? (Try it if you want to)
Well, you should get [pink] now… (Did you?)
Then let’s tag pink as the Returns/Profits in your business. Hence proved that if you Mix:
This is the Perfect Mojito.
Now there is a cost involved in both marketing and selling. From an accounting point of view, both are expenses in the profit and loss account ledger. But technically, because a mix of both ends up in revenue/profits/returns. The so-called cost involved actually evolves logically into an “INVESTMENT”. And this is why they casually say marketing and selling generated ROI(Return On Investment). The investment referred to is the cost involved in arriving at the ROI through the modes, tools, or techniques of marketing and selling.
How Is Marketing then different from Selling?
So let us go back, Marketing is a broader term it involves planning, budgeting, targetting, promoting, and reviewing the sales penetrated.
The concept of marketing focuses on the end user’s needs and requirements, and finally, the means to fulfil that need is discovered. This is focused on the theory of “demand and need-based selling”.
Besides, on the other hand, the concept of Selling focuses mainly on the requirements of the seller. Therefore it is an action that converts the existing/available goods/services into money. Sales is an aggressive leap, hence the customer’s genuine needs and satisfaction is taken for granted.
“Marketing is an investment that plunges super ROI”.
AwV
Example:-
The Vicious Circle
Clearly, if marketing is a ‘spear’ to hit on profits, then communication is the ‘spear-head’ of it.
Interesting?
Communication in this context simply means to Read, Hear, and Speak Marketing. Using marketing techniques to identify your target audience crowd. You must first know how to read, hear and speak into them to find out what they want and tell them what they need to reap your Profits. After all, it’s called need-based selling.
Irrespective of the language you communicate in, the objective here should be to understand what they need or to find out the right listeners who need your specific niche.
So if you have read till now it means that we are at the same pace and page. And that I have found my right audience. Let me read ahead with you.
Communication basically defines your objective of finding the right crowd to sell your goods/services via marketing tools. Without communication, marketing is like an Oreo biscuit without the mouth-watering cream between it.
Imagine or just try and find out how that would taste. Won't you feel something missing, huh, right?
Similar to the cream mentioned here, communication finishes or completes marketing. And it ends only when you receive feedback from your customers. That is when you could confirm that your communication with the end-user was successful. Only then a result in the form of a sale could be achieved. Hence communication bridges and connects marketing and selling. This proves that marketing was born before selling.
“Only when you communicate, you understand whether you can market something to sell; this is even true when it comes to relationships”.
Not doing this right is why most products or services don’t reach nor last long.
Example:- Campa cola and Citra. Have you tasted these? I have and these were my childhood chill time activities. But they are no more. Why? Because? These brands failed to connect consistently. They became invisible after Coca-cola and Pepsi started connecting (hear, speak, and read) and engaging better with their audience. These giants hooked their crowd’s mind better through different modes of communications then and now, hence the latter is still selling. I just had one yesterday!
Having crossed the words mode of communication instigates me to dive into the best mode of firing marketing techniques.
Am sure by now after figuring out economics you must have heard the viral term, “Digital Marketing”?
If this is the digital era then what was Traditional Marketing --- Curious?
Past Vs Present
#Digital Marketing Evolved from @Traditional Marketing
With the revolution of technology the reach of mankind has gone beyond “pluto”. Typewriters have become antique, books are slowly getting replaced by reading apps and pads, grocery offline purchases are being effectively migrated to online purchases, and even further picked and doorstep delivered contactless at home.
Dunzo, Swiggy Genie and Zomato Market are helping souls big time in this pandemic situation with their bang-on and praiseworthy contactless grocery deliveries.
Plus if you know a store and want to pick up something specific except liquor at some cities though, then must use Dunzo & Swiggy Genie
Why is all this happening suddenly?
I thought about it and the answer is – Well it had to happen someday. It saves a serious chunk of time and money. Things have come extremely far, that you can even get your clothes picked up and delivered back to your office after laundry and steam ironing. Incredible isn’t it?
Convenience – has made man lazy…
No, I don’t think so…
Rather, this convenience has made humans kill un-productive jobs.
Have you heard about the ROBO-VACCUM cleaner Vs The Maid Story?
Will you believe me, if I told you that a Robo-vacuum cleaner at home is slowly replacing the maid in most of the bling cosmopolitan capitals. This has even become a trending status quo or a status symbol.
I have heard those rich house-wives answering in posh English “oh, am at the spa while my Robo is cleaning the house”.
Whatever!
The point is do you know who is promoting this and spreading this like a pandemic other than these ladies?
Yeah, you guessed it right — it's our own digital marketers.
Gone are those days, when I have heard or seen a Nike, Puma or Adidas ad on radio or TV. Even the hoardings or billboard ads have come down in time. Well, this is all the so-called Traditional Marketing!
If so, then what's the Digital form of it?
Let’s do a simple exercise and find out – Go to google search type ‘Buy Bicycle Online’ and you will see small size pictures of it on the right side of your web-page with price mostly plus the website name to buy. Okay?
Now after viewing this, click on any of those ads, don’t buy anything yet, and come outback, then surf through a couple of other interesting pages, blog or article pages probably, read or watch videos, and later shut down the device.
Here comes your surprise!
Login after a couple of days to understand the simple economics of digital marketing and go surf anything else of your choice. And tell me this, did you see it, did it pop-up on you?
What? did it?
Obviously, if it did, then you would be stunned to notice that some ads of the bicycle you saw last time would be following you now, of course not haunting you, but something like a reminder – “hey you forgot to buy me, hey click that button now”; on almost everywhere on the web or even on the irrelevant website pages you surfed on. Well, this is what Google Adsense is all about!
Just like the other Digital ads via FB, Bing, Twitter, Inst, Pinterest, LinkedIn and so on. These are more or less the action of the digital platforms.
So, tell me which ads do you trust/follow now, the traditional or the digital ones?
Let us check for more information!
While the Digital mode of Marketing is what I like personally to refer best because of its reach, cost, and the result of simple economics. The Core Marketing objective remains constant in both.
That is why CATT Marketing is a bang-on dart on the bullseye.
An engaging Content gains Attention,
and Attention ensures validation,
and validation confirms Trust,
and Trust raises the chance of Transaction,
and Transaction results in a sale of a product/service to the end-user.
AwV
Bang, goal achieved!
Well, it’s not that easy like it is mentioned above as there is a heck a lot of conscious effort to it. And after all these triggers are an opportunity to a second sale. If the product has exceptionally high utility it ensures that it creates feedback (another CATT) which will lead to another sale and go on again creating a vicious circle.
So how do we adopt this — CATT?
CATT by DD
Don't stop now, you have come this far to know about - Integration is the way to a beautiful CATT. And that is our next topic.
(Take a break if you want to, but come back, this is going to be a short read now and I hope you are jotting all learnings down?)
#Integrating Marketing via Digital Hooks
Just picture this, you are a big affiliate and want to sell a product online. Now to promote this to your target audience, you have Emailed it, posted it on Social Media platforms, ran ads on Google and FB. Plus grabbed SEO for the attention of the crowd via organic search and tagged backlinks to your quality content created via the economics of digital marketing techniques.
Well, you have done it, you have hooked every medium and tool together, that is Integrated-Digital-Marketing. As only by doing all these collectively and effectively one can rim maximum profits.
And I am sure you would respond to me on this!
Have you ever heard a “NO” from someone while trying to sell a product or service, if so WHY?
The reasons could be:-
#1) No Demand.
#2) Zero Trust.
#3) Poor Quality.
#4) Not Price Effective.
#5) Better Stuff In The Market.
#6) No Reviews Or Feedbacks.
Well, as per me there is one more reason — BRAND!
In my 10yrs of hardcore sales & explosive marketing experience in the BFSI and Private Banking industry. Technically, logically, and practically I have figured out that people buy from you mostly if they know you, trust you, heard about you, or if you have been recommended by their peers or well-wishers.
I was once surprised when a client of mine referred me to one of his competitors! Now that’s the power of trust and not just branding…
Researched more on it and this is what I found out — An example: In the automobile industry, FIAT engines are being used by TATA and MARUTI SUZUKI in their premium cars. This is how trust is solidified in business.
Now let's check your trust instincts!
So then, you have decided to buy a BMW car. And you know that your brother and a best friend of yours have been using the said car for two years. But then, you get a call from a sales executive who says buy an AUDI car instead, as they have better, cheap, reliable and high utility unlimited offers and lifetime warranty. Whom would you trust and which car would you buy?
Now that was a deep insight on Personal Branding for you!
Hence, before you conclude, here is a free take away — Do you know behind the curtain in availing a loan from a bank? Not the paperwork to get the loan, but the technical stuff involved….. Do you?
Here is my catch — The loans, savings account, and fixed deposits given by the banks are technically managed by CRR, SLR, and REPOrates which is decided and regulated by the RBI according to our economic growth. The flow of money is a vicious circle. You take a loan from a bank and buy something from someone else, which in turn transfers the money from bank A to B and again back to bank C and so on in a rapid flow. Thereby debt creating a momentum of cash flowing in the economy even though no value is been added. And this goes on and on, so your DEBT creates another CREDIT for someone in accounting terms.
Let’s #Conclude For Now!
Understanding the logic of economics is the best way to find your audience via digital marketing. After finding them, to attract them you need engaging communication skills, and if you have mastered this then Marketing via Digital mode will be like duck-soup!
But wait, remember a bowl of duck-soup kept on a table can be best tasted if you add a personal branding with a trust note to it…. “Try it and I would love to hear your success story”.
Did you find this blog post helpful?
If so, do you know someone like you, who would connect with my content?
Well then, don’t hesitate to hit the share button below right now!
So you have to read all of them and trust me you will be shocked to know all these love secrets about guys, maybe if you are a GIRL that is.
*& 1 more thing please don't misunderstand nor misrepresent the facts said below as these are the point of views from different experiences of people around about some shocking love secrets inside a guy. We don’t have any proof nor facts to support these statements mentioned below to be true. Every reader is familiar with the typical fiction disclaimer. This is a work of fiction. Names, characters, business, events, and incidents are the products of the author's imagination. Any resemblance to actual persons, living or dead, or actual events is purely coincidental. This is a work of fiction. Any semblance between original characters and real persons, living or dead, is coincidental. The author in no way represents the companies, corporations, or brands mentioned in this book. The likeness of historical/famous figures have been used fictitiously; the author does not speak for or represent these people. All opinions expressed in this book are the author’s, or fictional.
1) Guys may be flirting around all day, but before they go to sleep, they always think about the girl they truly care about.
2) Mostly guys are more emotional than you think, if they loved you at one point, it’ll take them a lot longer than you think to let you go, and it hurts every second that they try.
3) Guys go crazy over a girl’s smile, now that’s a shocking love secret about a guy?
4) A guy who likes you wants to be that “only” guy you talk to.
5) Giving a guy a hanging message like “You know what?…uh…never mind“; would make him jump to a conclusion that is far from what you are thinking. And he’ll assume he did something wrong and he’ll obsess about it, trying to figure it out all day.
6) If a guy tells you about his problems, he just needs someone to listen to him. You don’t need to give a piece of advice. This is the best shocking love secret about that guy any girl must remember.
7) One usual act that proves that the guy likes you is when he teases you.
9) Guys use words like hot or cute to describe girls. They rarely use beautiful or gorgeous. If a guy uses that, he loves you or likes you a whole heck of a lot.
10) If the guy does something stupid in front of the girl, he will think about it for the next couple of days or until the next time he spends time with the girl.
11) If a guy looks unusually calm and laid back, he’s probably faking it and he is really thinking about something.
12) When a guy says he is going crazy about the girl, he really is. Guys rarely say that.
13) If at all a guy asks you to leave him alone, he’s just actually saying, “Please come closer and listen to me”.
14) If a guy starts to talk seriously, listen to him. It doesn’t happen that often, so when it does, you know something’s up.
15) When a guy looks at you for longer than a second, he’s definitely thinking something.
16) Guys really think that girls are strange and have unpredictable decisions; and are MAD confusing, but somehow are drawn even more to them.
17) A guy would give the world to be able to read a girl’s mind for a day.
18) No guy can handle all his problems on his own. He’s just too stubborn to admit it.
19) NOT ALL GUYS ARE RUDE!!!
Just because ONE is RUDE doesn’t mean he represents ALL of them.
21) Let us say if you had dumped a guy months ago and he loved you, he would probably still does and if he had one wish it would be you to come back into his life.
The year after chaos forces us to show him under the spotlight.
He is an Aries star-studded fiery ram, but not born from the sky.
He is no playboy who owns a mansion, but a philanthropist who owns an NGO in Congo for the needy.
He is no scientist who has invented a rocket, but a scientific human being who has invested in the welfare of his 1 million-plus employees Worldwide.
He is no celebrity who acts in the movies, but a simple writer with one bestseller in The Asian Age and one Jnanpith Award.
He is no politician to this economy, but a politician of love.
He is no lifesaver, but a life motivator and a growth hacker who spreads the urge to live life to the fullest via his blog ____.com.
He invites famous publicity stunts for charity and to celebrate the unsung heroes.
He is no billionaire but shares air space with billions of micro start-ups.
His bang-on idea _______.tech & _____.ai has not only increased job opportunities but a faith that there would be no pink slips ahead of time.
In an interview with #WIRED, when asked if he was the richest man in India, he replied, ” Please ask my wife!”
Now comes the part where we got blown away. The maximum age of a full-time employee in his company is 27, but yes, he has part-time & freelance consultants & leaders in the age group of 40 to 60.
He is also a consulting chief in ____, ____, and the rest is history.
His first priority is fitness, both mental and physical; hence, he has made access free to _______ gyms by _______ foundation in 7 locations worldwide for his employees and their families.
The productive hours in his company are in two slots – 7 am to 2 pm and 4 pm to 11 pm; late sitters will have a loss of pay for the extra time spent at the office, as the lights go off at sharp timings. There are remote work options, on-pay sabbatical leaves, re-employment, no bonds or notice periods, and no leave constraints for his employees. This ensures no room for office politics and work hackers.
Internal security is managed by ____.com and external by local bouncers.
He owns a 7-acre club in the heart of Amsterdam city, where the floor is permanently booked from 25th December to 1st January only for his friends, family, and colleagues every year.
He is hard to catch in April and invisible during new-years.
He is a workaholic but only at home (lol).
His favorite pastime is to go meet and travel with his besties scattered around the world in his ______ airlines & cruise ship every year in April.
His start wasn’t glorious and is still unknown as his Orkut, Hi5, Facebook, and LinkedIn accounts are no more, hence even wiki has only what we have to tell you.
He is concerned about others’ progress, so shares his failures regularly as blog posts in public, and filmmakers have made crores with it. To this, even his critics love him more in time.
He is every lady’s heart-throb but is the heart of only one.
A father, a brother, a son who is always available, but never a celeb who is in the limelight.
He dreams to be a part of the Justice League someday, but his goal –
He who helps another take a step & walk a mile, will walk a long time!
AWv
Yes, we call him Antony Williams Vadassery a.k.a AwV, but the others call him a brother from another father!
Source: From, The Editor in Chief - The R____ D____ (27.07.27).
We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking “Accept”, you consent to the use of ALL the cookies.
This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
