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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?


There are many nuances of a Career in Retail Banking. Understanding Why one wants to choose a Career in Retail Banking is phenomenally more important than figuring out How to get into Retail Banking. It is best to learn about Retail Banking from a real professional, this is akin to getting it from the horse's mouth.

With 17 years & 1 month of professional experience, Rajni Pandey understands Retail Banking. Rajni Pandey describes Retail Banking as:

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. This Talk is unique because it talks about Education in terms of things which can be learnt from books, to excel at a Career in Retail Banking and not as a list of Qualifications, which one needs to get into Retail Banking. It details these topics within Education 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. 90% success in Retail Banking depends on Skills. It is crucial to understand these. 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. The Talk goes through this list of Positives of Retail Banking:
     16) Satisfaction  
     17) Tremendous Scope  
     18) Safe for Woman  
     19) Personal Development  
     20) Diversity in Job Profile  
     21) Transfers  

It is important that one develops a fair understanding of the Challenges 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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