Bank employees qualification

[RAMESH BABU N]

My relative is a fresher.
Axis bank gave her a 2months training in ranchi.
That's it .
She is now a BM at a branch in bilaspur

Speak to her once and let us know whether she is happy with her role and her work pressure - considering her inexperience. Focus on job suitability and job satisfaction - and not on salary.

 

[pinki]

Speak to her once and let us know whether she is happy with her role and her work pressure - considering her inexperience. Focus on job suitability and job satisfaction - and not on salary.

She is satisfied sir tbh.
Her dream was to become a bank manager or banker(whatever it is)and she is there now.
And her only complaint is of timings, (she doesn't love that typical 10 to 5 job ) , she aspires for only flexible timings and wfh job 🤣 and don't want to just visit daily for the same job .
She doesn't have complain regarding overburden or something, rather she thinks that " is kam ko 12-1 bje uthne ke baad bhi to kiya ja skta hai 😅🤣 kya jrurat hai 10bje exact bank phuchne ki " .

And plus point is she got posted at the branch which is just 2-3 kms from her house , so ya she is happy after all .
I am not telling any false thing here , coz i m in frequent contact with her .

Ps: her salary is 12L base . I don't know abt CTC .

 

[KGSIPO]

All private banks have a centralized system where all things are approved including savings account opening. They think that they can run the bank with any dumb guy by having a strong centralized decision making system.

 

[ramkumar_yramkumar_y is verified member.]

PSBs are slowly and steadily becoming like PVT banks with targets, sales pressure to cross-sell para banking products and more.
There's no chance of other way around.

 

[ontherocks]

She is satisfied sir tbh.
Her dream was to become a bank manager or banker(whatever it is)and she is there now.
And her only complaint is of timings, (she doesn't love that typical 10 to 5 job ) , she aspires for only flexible timings and wfh job 🤣 and don't want to just visit daily for the same job .
She doesn't have complain regarding overburden or something, rather she thinks that " is kam ko 12-1 bje uthne ke baad bhi to kiya ja skta hai 😅🤣 kya jrurat hai 10bje exact bank phuchne ki " .

And plus point is she got posted at the branch which is just 2-3 kms from her house , so ya she is happy after all .
I am not telling any false thing here , coz i m in frequent contact with her .

Ps: her salary is 12L base . I don't know abt CTC .

PSU or private bank?
Someone I know is in a PSU bank with peaceful job life in a small town. When he got the job, he was flooded with marriage offers. Random people came to the bank with some excuse to talk to him about his marriage.

 

[Trust Me]

A time tested Selection Process

A well structured Training Process

A senior to junior mentoring/guidance

Once a banker, always a true banker.
Qualified, tested n promoted.

.....

These are the cornerstones on which PSU Bankers are born, nurtured, trained n positioned.

Many private players lack in almost ALL the above basic structure to produce true Bankers. Many do not even know about mandatory exams of JAIIB/CAIIB, leave alone passing them. Or, any of the 30+ Acts that a true banker must master to be a Great Banker.

Does this thorough nurturing/ training/ mentoring/ grooming to make a "True Banker" in the PSBs also happen to include how to always be polite/ attentive/ respectful and helpful to every customer ?!

Just curious.
.

 

[pinki]

PSU or private bank?
Someone I know is in a PSU bank with peaceful job life in a small town. When he got the job, he was flooded with marriage offers. Random people came to the bank with some excuse to talk to him about his marriage.

Axis it is

 

[RAMESH BABU N]

Does this thorough nurturing/ training/ mentoring/ grooming to make a "True Banker" in the PSBs also happen to include how to always be polite/ attentive/ respectful and helpful to every customer ?!

Just curious.
.

Knowledge, skill sets, processes can be imparted (tutored) thru training, theory n practical to anyone intelligent enough to learn.

What you are talking about are the personality traits - which are innate, in borne and be with you till death. These can only be mentored (not tutored).

BS classes n HR techniques are also handled during the elaborate training programmes.

Any amount of training, teaching, lecturing or handholding will NOT yield the desired result if the candidate / trainee doesn't want it. It's his/her attitude n approach towards life, job, role, function... which make any of the above fruitful or a failure.

 

[Trust Me]

Knowledge, skill sets, processes can be imparted (tutored) thru training, theory n practical to anyone intelligent enough to learn.

What you are talking about are the personality traits - which are innate, in borne and be with you till death. These can only be mentored (not tutored).

BS classes n HR techniques are also handled during the elaborate training programmes.

Any amount of training, teaching, lecturing or handholding will NOT yield the desired result if the candidate / trainee doesn't want it. It's his/her attitude n approach towards life, job, role, function... which make any of the above fruitful or a failure.

I'm afraid, I have to disagree with the premise. If it were indeed impossible to rein in ill-behaved employees as you claim, businesses worldwide would fail to function in a professional manner! And no minimum uniform and professional level of banking experience can be expected across different branches of the same bank, or indeed, at the same branch over time!

Even ignoring other countries, -- how was it achieved by Citibank India, for example, or, indeed, in some other Indian private banks as well (albeit to a lesser extent)?! How come Indian PSBs have managed to earn such widespread notoriety in this respect compared to their private counterparts?!

There must be various performance metrics in every business (even in the PSBs) linked to progress in the career path (increments, promotions, management ladder and so on). Why can't behavioral traits of employees be considered amongst such metrics, and appropriate demerit points be linked to eligibility for direct customer interactions, delay in career path progress, or even demotion or loss of job?!

I have personal experience with banks in India as well as abroad. Even amongst Indian PSBs, SBI seemed to have achieved this with their 'Specialized Persional Banking' (SPB) branches (do they exist anymore?). I was a very satisfied customer with one of them in Bangalore. How was it possible for SBI to achieve that? By assembling some of their "Great Bankers" in select branches (at the expense of lesser branches)?!

Still staying with SBI, I once had a BM so utterly arrogant and ill-behaved, I pulled out my very substantial investments with them (for more than a decade) to some other bank (to become one of their HNW customers). With the vaunted superior training system in the PSBs, how was this person even get to be promoted to be a BM? -- Of course, there was no mechanism for me to leave a formal feedback for my experience! Did this episode prove to be of any advantage to the bank? --- I have other examples too with other PSBs.

One of the root causes is that employees in PSBs (and other public sector units) are apparently secure in their belief that they can get away with anything, no matter what! -- Things are gradually changing, but not enough, nor fast enough. (Disclaimer: This is not to be construed as an endorsement of Indian private sector businesses, which have their own issues).
.

 

[RAMESH BABU N]

You need to know the constraints under which PSU Banks operate (or for that matter, any PSU).

Close to 50 % of staff (including officers) are from Reserved Categories. Such reservation is extended even in promotions to almost all operational cadres. Private players do not have this compulsion.

As a matter of labour welfare measures, PSUs have to live with trade unions, associations, pen down strikes and other forms of work disruptions. Thanks to the Communist/Congress party policies. Private players do not have thesr issues.

Despite the two above, the biggest drawback in PSU is that you can't HIRE only the bright or meritorious and FIRE the incompetent and unwanted. Private players have that freedom n flexibility.

Everyone in a cadre gets the same perks n salary in PSUs. You can't incentivise the best contributors or penalize the destroyers. Private players have this per-individual salary structure n inventives n bonuses.

Consider these issues and many more like these....

And, then arrive at your own conclusions.

I am nnot here to champion the cause of PSUs or those of Private players.

FYI, I have worked in 2 PSUs - total 42 years - at various cadres - all over India. Almost all these years spent in Techno Banking areas.

AND, since 2012, I am working in Private sector. I have my own IT company.

I'm afraid, I have to disagree with the premise. If it were indeed impossible to rein in ill-behaved employees as you claim, businesses worldwide would fail to function in a professional manner! And no minimum uniform and professional level of banking experience can be expected across different branches of the same bank, or indeed, at the same branch over time!

Even ignoring other countries, -- how was it achieved by Citibank India, for example, or, indeed, in some other Indian private banks as well (albeit to a lesser extent)?! How come Indian PSBs have managed to earn such widespread notoriety in this respect compared to their private counterparts?!

There must be various performance metrics in every business (even in the PSBs) linked to progress in the career path (increments, promotions, management ladder and so on). Why can't behavioral traits of employees be considered amongst such metrics, and appropriate demerit points be linked to eligibility for direct customer interactions, delay in career path progress, or even demotion or loss of job?!

I have personal experience with banks in India as well as abroad. Even amongst Indian PSBs, SBI seemed to have achieved this with their 'Specialized Persional Banking' (SPB) branches (do they exist anymore?). I was a very satisfied customer with one of them in Bangalore. How was it possible for SBI to achieve that? By assembling some of their "Great Bankers" in select branches (at the expense of lesser branches)?!

Still staying with SBI, I once had a BM so utterly arrogant and ill-behaved, I pulled out my very substantial investments with them (for more than a decade) to some other bank (to become one of their HNW customers). With the vaunted superior training system in the PSBs, how was this person even get to be promoted to be a BM? -- Of course, there was no mechanism for me to leave a formal feedback for my experience! Did this episode prove to be of any advantage to the bank? --- I have other examples too with other PSBs.

One of the root causes is that employees in PSBs (and other public sector units) are apparently secure in their belief that they can get away with anything, no matter what! -- Things are gradually changing, but not enough, nor fast enough. (Disclaimer: This is not to be construed as an endorsement of Indian private sector businesses, which have their own issues).

 

[Umang85]

Problem is not really qualifications. It's a simple case of negligence and not following due processes in most of the cases.
Specially in government banks. They just take things for granted and if they don't know how to resolve the issue, they just raise a complaint but never follow up.

 

[Trust Me]

You need to know the constraints under which PSU Banks operate (or for that matter, any PSU).

Close to 50 % of staff (including officers) are from Reserved Categories. Such reservation is extended even in promotions to almost all operational cadres. Private players do not have this compulsion.

As a matter of labour welfare measures, PSUs have to live with trade unions, associations, pen down strikes and other forms of work disruptions. Thanks to the Communist/Congress party policies. Private players do not have thesr issues.

Despite the two above, the biggest drawback in PSU is that you can't HIRE only the bright or meritorious and FIRE the incompetent and unwanted. Private players have that freedom n flexibility.

Everyone in a cadre gets the same perks n salary in PSUs. You can't incentivise the best contributors or penalize the destroyers. Private players have this per-individual salary structure n inventives n bonuses.

Consider these issues and many more like these....

And, then arrive at your own conclusions.

Then please don't champion the great PSB training infrastructure without considering all the various issues. It is the complete package that a customer has to experience!
.

 

[RAMESH BABU N]

Then please don't champion the great PSB training infrastructure......
.

Firsy read my above posts completely
Before commenting.

Read, understand, comprehend and only then comment.

 

[Trust Me]

Firsy read my above posts completely
Before commenting.

Read, understand, comprehend and only then comment.

Please refer to your first post in this thread and try to comprehend your own post, -- what message it would convey to the reader: all paeans to the great training methodology of the PSBs to produce "True" and "Great" bankers, and no hint about any down sides! Please try to project only true, fair and balanced views in your posts if you don't like them to be challenged.
.

 

[RAMESH BABU N]

Please refer to your first post in this thread and try to comprehend your own post, -- what message it would convey to the reader: all paeans to the great training methodology of the PSBs to produce "True" and "Great" bankers, and no hint about any down sides! Please try to project only true, fair and balanced views in your posts if you don't like them to be challenged.
.

You react to the FIRST post or the RECENT posts ? You need to update....

 

[Trust Me]

You react to the FIRST post or the RECENT posts ? You need to update....

Meaning the first post should have been completely disregarded while responding?!!! You should perhaps then have withdrawn your first post, which had conveyed a certain aggrandized view!

My posts comprehended the sum total of your evolving posts in the thread, and my comment above about championing of the great PSB training infrastructure referred to your first post that did not take into account what you mentioned later only as a response to my post(s)!
.

 

[RAMESH BABU N]

Deja vu feeling that I am dealing with an average cleck in a PSU Bank.

Nothing more to add.

 

[Trust Me]

Late realization on my part: It is futile to engage in debates arrogant, egotistical and uncivilized persons full of themselves!
.

 

[MusicalMind]

I too want to know that. I want to work.
I just feel bank jobs are mostly sales agent jobs that's why I usually avoid.
Incase anyone has any idea on which role in bank is not sales related please let me know.

There is IT and Wholesale Operations which don't need to do sales

 

[Aniket]

u can become BM .
One of my relatives hv recently joined axis as BM , she was fresher and got placed from clg directly after her MBA degree.


Some banks also recruit at BBA Too.

Ab log bolenge bhai kaunsi branch hai, apna account usi branch mein transfer kar du acha service milega aapke through 😂