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Retail Banking

By Rajni Pandey
[ Assistant General Manager | Public Sector Bank, Dehradun ]




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Career Talk Information




What is Retail Banking?


A Career in Retail Banking is very intriguing. Understanding Why one wants to choose a Career in Retail Banking is phenomenally more important than figuring out How to get into Retail Banking. The internet is a great source of information on Retail Banking, but it is second best to learning about the same from a real professional.

Rajni Pandey is an experienced professional with 17 years & 1 month in Retail Banking. According to Rajni Pandey, Retail Banking is:

Banking is not only confined to transactions, tallying of balance sheets and debits or credits, It has become a field in where sourcing of accounts, business development and servicing are also important. With that various loans like home loan, car loan etc. is also involved. There are also investment advisory services involved such as Mutual Funds.





How Rajni Pandey got into Retail Banking?


I have done my schooling from Welham Girls School, Dehradun. Completed my B.Sc and MBA from Lucknow University and started working in public sector banks and it has been almost 15 years in the same field. I am currently working in prominent branch of a public sector bank in Dehradun as Assitant General Manager.





Rajni Pandey's Talk on Retail Banking



Starts with what is:
     1) Retail Banking  

Next, it covers Education. We all know that only 10% of what is taught in Retail Banking is actually used in real life. The Education section of the Talk clearly explained what is the 10% needed in Retail Banking. Here is a list of Education items required for Retail Banking:
     2) Accounting  
     3) NI Act  
     4) Sales & Marketing  
     5) Banking  
     6) Investment Advisory  
     7) Maths  

Then, the Talk focuses on the most important component that is Skills. Anyone aspiring for Retail Banking needs to understand that Skill development is crucial for success. It details these topics within Skills for Retail Banking:
     8) Communication & Interpersonal  
     9) High Ethical Standards  
     10) Personal Relationship  
     11) People Management  
     12) Convincing Ability  
     13) Reading  
     14) Team Work  
     15) Time Management  

Retail Banking has an interesting list of Positives. This Talk defines Positives in terms of following items for Retail Banking:
     16) Satisfaction  
     17) Tremendous Scope  
     18) Safe for Woman  
     19) Personal Development  
     20) Diversity in Job Profile  
     21) Transfers  

After a discussion on Positives, Challenges complete the caricature of Retail Banking:
     22) Intense Competition  
     23) Pressure  
     24) Risk  

In the final section of the Talk, Rajni Pandey talks about How a day goes in a Career in:
     25) Retail Banking  




Career Counselling 2.0


Career Counselling 2.0






Relevant Links







LifePage Career Talk on Retail Banking


Career Counselling 2.0
[Career]
https://www.lifepage.in/careers/retail-banking-1


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[Full Talk]
https://lifepage.app.link/20170205-0002


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[Trailer]
https://www.youtube.com/watch?v=AZ75TEnf4xs


(Retail Banking, Rajni Pandey, Public Sector Bank, Dehradun, Banking, Capital Investment, Banker, Finance, Financial Advisory, Public Interaction)





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