Retail Banking Career TalkRajni Pandey | Assistant General Manager | Public Sector Bank, Dehradun
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Retail Banking Explained
What is Retail Banking?
A Career in Retail Banking is very interesting. Internet is brimming with pages on How to get into Retail Banking, while one should first understand What is a Career in Retail Banking. Just like you would normally not trust a non Doctor with names of medicines, you should also not trust opinions about Retail Banking from non professionals.
Assistant General Manager Rajni Pandey is an experienced professional with 17 years & 1 month in Retail Banking. Assistant General Manager Rajni Pandey outlines 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 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. In this Talk Education was discussed as theoretical topics needed to excel at Retail Banking, and not as Qualifications needed to enter Retail Banking. It discusses following headings for Education in 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 details these topics within Skills for Retail Banking:|
|8)||Communication & Interpersonal|
|9)||High Ethical Standards|
|It is important to get an understanding of the Positives of Retail Banking. The Talk discusses following 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:|
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)
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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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