Retail BankingRajni Pandey | Assistant General Manager | Public Sector Bank, Dehradun
What is Retail Banking?
A Career in Retail Banking is very interesting. Almost everyone seems to be talking about How to start a Career in Retail Banking, while one should first develop an understanding of What is a Career in 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.
Assistant General Manager Rajni Pandey has worked in Retail Banking for 17 years & 1 month. Here is how Assistant General Manager Rajni Pandey detailed Retail Banking:
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 Assistant General Manager 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.
Assistant General Manager Rajni Pandey's Talk on Retail Banking
|Starts with what is:|
|Next, it covers Education. It is easy to Google information about what Qualifications are needed to enter Retail Banking, this Talk went a step ahead to talk about the body of knowledge one needs to develop to excel at Retail Banking. It details these topics within Education for Retail Banking:|
|4)||Sales & Marketing|
|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 discusses following headings for Skills in Retail Banking:|
|8)||Communication & Interpersonal|
|9)||High Ethical Standards|
|Positives of Retail Banking are quite interesting. This Talk defines Positives in terms of following items for Retail Banking:|
|18)||Safe for Woman|
|20)||Diversity in Job Profile|
|Challenges are the other side of Positives and Retail Banking is no exception:|
|In the final section of the Talk, Rajni Pandey talks about How a day goes in a Career in:|
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How to get into
If you are want to get into Retail Banking, start by investing in a Career Plan.
The 14 hour process, guided by a LifePage Career Advisor, will help you introspect and check whether your interest in Retail Banking is merely an infatuation or is it truly something you wish to do for the rest of your life.
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Finally, you will get a Career Plan stating which Courses, Certifications, Trainings and other Items you need to do in the next 7 years to become world’s best in Retail Banking.
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Links for this Talk
Assistant General Manager Rajni Pandey's LifePage:
LifePage Career Talk on Retail Banking
(Retail Banking, Rajni Pandey, Public Sector Bank, Dehradun, Banking, Capital Investment, Banker, Finance, Financial Advisory, Public Interaction)
Banking basically means money. Dealing with public money, which the bank is liable to pay. Now banking is a basket of products, providing insurances, loans etcetra, which is in some ways helping people.
"After completing my graduation from Tula's Institute and post graduation from Manipal University, I started working with Axis Bank Ltd as an Assistant Manager since 2015."
Bank regulation is a form of government regulation which subjects banks to certain requirements, restrictions and guidelines, designed to create market transparency between banking institutions and the individuals and corporations with whom they conduct business, among other things.
"After doing my schooling from Raja Ram Mohan Roy Academy Dehradun, I did my B Tech in Computer Science from Tulas Institute, Dehradun. After that, I did MA in Economics from Mumbai University and then worked for Union Bank, Dehradun. Thereafter, I joined RBI as Manager in Forex Exchange Department working on Banking Regulation."
SME Banking services provides financing solutions to small and medium enterprises (SME) to grow their businesses in India and abroad.
"After completing my BA in Economics, English and Maths from HNB Garhwal University, I got placed at Bank of Baroda. I served there for 38 years. I retired as Deputy General Manager from Bank of Baroda."
Junior Officer | Janata Sahakari Bank
Junior Officer | Janata Sahakari Bank
[ 7 years & 8 months Experience ]
Loan processing is an entire sequence of steps, from the time a loan application is received (or a loan offer is accepted) to the time loan is closed, the loan proceeds are disbursed, and the aggregate amount (principal plus interest) is placed on the lender's books as an asset.
"After completing my education, I did certifications courses from NCFM (National Stock Exchange Certification in Financial Markets) and Indian Institute of Banking in Capital Market and Loan Monitoring respectively. I started my professional career with eClerx as an Analyst and I am working with Janata Sahakari Bank as a Junior Officer."
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