LifePage Career Talk
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- (for Free) Watch Rajni Pandey’s full Career Talk on Retail Banking
- (for ₹ 100) Do a Self Assessment on Retail Banking to calculate your Dream Index, which is defined as:
According to Rajni Pandey your chances of success in Retail Banking is __%
- Access your personalized Dream Index Report which will have all your Dream Indices sorted in descending order.
Career Talk Information
What is Retail Banking?
Retail Banking is a great Career option. Understanding Why one wants to choose a Career in Retail Banking is phenomenally more important than figuring out How to get into Retail Banking. While anyone can have an opinion on what Retail Banking entails; only a real professional can really explain it.
Rajni Pandey is an experienced professional with 17 years & 1 month in Retail Banking. Here is how 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 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:|
|Next, it covers Education. It was a welcome change to see the Talk touch upon Education as theoretical knowledge needed to excel at Retail Banking, and not merely as Qualifications needed to enter Retail Banking. It defines Education in terms of following items for Retail Banking:|
|4)||Sales & Marketing|
|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 discusses following headings for Skills in Retail Banking:|
|8)||Communication & Interpersonal|
|9)||High Ethical Standards|
|Positives of Retail Banking are quite interesting. These are the Positives of Retail Banking:|
|18)||Safe for Woman|
|20)||Diversity in Job Profile|
|It is important that one develops a fair understanding of the Challenges of Retail Banking:|
|In the final section of the Talk, Rajni Pandey talks about How a day goes in a Career in:|
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)
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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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