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The problem with India and you can take me on regarding this is casteism. Every one of us is constantly looking for position - position where we have people constantly addressing us as sir, standing up when we enter a room, making sure we are invited to big events and seated along with the VIPs, wanting direct access to the CEO, I could go on.
And lets face it, almost every one of us thinks like this. So naturally, when you come out of B-school, land a job at a fancy foreign bank and take home a six-figure salary every month, the whole thing gets to your head and you begin to behave like the rest of the world is dirt beneath your feet.
People like these tend to be more badly behaved with customers. I know I should not be saying this being an IIM alumni myself but the answer to this problem is to move away from business schools.
The crop that comes out of these places is significantly superior to the crap that comes out of the IIMs or other business schools.
These people are far more grounded than the upstarts that are flocking the foreign banking system today. I might become redundant sooner than I think!!
Posted by Spiel Monkey at 8: Links to this post. Thursday, November 29, Geriatrics Inc. What a waste of time. The event was terribly organised - the seating at the conference was uncomfortable, the entire conference area was cramped with stalls a fire hazard - did the hotel staff even realise??
So the sharks always lurk around at such events waiting to pounce at any PSU banker that so much as even blinks. Their latest report on the Indian banking sector is no better.
Will give you details in my next post. Anyway, thats besides the point. The main topic that was discussed at Bancon - Towards Global Best Practices - only raised questions to which its rusted participants clearly had no answers.
Sam Swaminathan of the Centre for Creative Thinking was brilliant at the latter session. The problem with such seminars is that they are conceived and conceptualised by geriatric PSU bankers for whom the only purpose of these events is to rub shoulders with senior Reserve Bank of India and finance ministry officials.
One of the bankers at the seminar suggested in jest that the retirement age for PSU bankers be made How do I tell them that attending the seminar was a waste of money.
Posted by Spiel Monkey at 9: Monday, November 19, Loins of Punjab. Its a little uncanny. But have you noticed how almost every foreign bank in the country is headed by a Punjab da puttar.
My previous blogs have, I believe, have quite adequately conveyed to you that banking does not require tremendous IQ levels. Its a very process driven game.
Existing products that sell overseas are tweaked a little to meet local regulatory requirements and market needs and then pushed on to the customer.
What foreign banks do require is that their employees be well turned out, glib talkers who can promise clients the impossible and at the same time get down on their knees and beg for business.
Thats where the Tandoori Chickens come in. They have what it takes to build teams, lead them and roll up their sleeves and make possible the impossible.
StanChart - Neeraj Swaroop 2. Citibank - Sanjay Nayar 3. Bank of America - Vishwavir Ahuja 6. Posted by Spiel Monkey at 1: Which is the best foreign retail bank to work for?
There is no definite No. Each of the Big Four have their own positives and negatives. So without getting into rankings of any sort, I will list out the good and bad aspects of each of the Big Four.
Standard Chartered Bank - The top foreign retail bank in the country. The bank encourages cross-country movement and very often even moves employees to overseas markets on expatriate packages.
This is important since it does not mean a climbdown in quality of living for the employee moving abroad. However, the consumer bank is currently fighting its own demons - cleaning up the retail book for some business decisions gone wrong.
The retail bank has been known to be a very political environment not as bad as the corporate bank, though , but things have changed significantly after Neeraj Swaroop joined a couple of years ago as India CEO.
Citibank - By far the best place to be if you want to learn the ropes. Has brought in some very solid best practices and products to retail banking in India, be it the credit card, back-end processing of retail transactions or even effective data mining and tracking of customer behaviour.
Not the best paymaster but things are changing, slowly though. Was a very political place while Sarvesh Sarup headed the retail bank but now that he is gone, the peace is coming back.
The only foreign bank that gives all its employees Saturdays off. Career-wise, though, the place is a no go unless you decide to hang in there till the day you die.
There is very little incentive to move into jobs overseas postings are hardly ever on expatriate terms and the openings too are few and far between.
But importantly, the bank has a very warm environemt where people treat each other with respect and dignity and thats something that to many people these days, counts for a lot.
A good place to learn the insides out of retail banking. ABN Amro Bank - After years of confused signals from its head office, the bank got its act together by end and began firing away on all cylinders.
And just when the business began gaining traction, comes the news of Royal Bank of Scotland taking it over. The Dutch bank is a kind employer and posts promising employees to interesting markets.
But at this stage, it is advisable to stay away at least until September by which time the complete takeover by RBS would have been complete and the heads that would have to roll would have, well, Posted by Spiel Monkey at Friday, November 2, The Colour of Money.
Honestly, I do not know anything outside of retail banking so if I had to give you some sense of what the colour of money in banking is, I could only speak for Retail Banking.
Entry Level - Rs lakh p. Get the hell out!! You will find that the pay bands get wider as you move up. This is a factor of performance which when translated into more simple terms means the speed at which your pay moves up is directly proportionate to your proficiency in kissing ass.
The stock options that the Big Four dole out are fairly arbitrary. This is a restricted stock option and when you get it are told not to tell anyone that you have stock in the bank.
ABN and Citibank too give out stock but nothing to excite you enough. HSBC, however takes the cake. It seems most employees at the bank made money on the stock through exchange rate gains than on any actual appreciation of the stock.
Hope this helps when you make your decision on whether or not to join a phoren bank. The point is I bumped into this guy who happened to be a frend of a friend of a friend and we got talking.
The moment the bloke hears I work for a foreign bank, he wants to know what I typically do over the weekend, where I hang out, what car I drive, where I stay etc etc.
The poor prick thinks my bank loads me up so heavy every month-end that I spend like a rock star. More amusingly, he wants to know how he can get into a Marketing function at my bank.
He wants to chuck up his job at HLL simply because he thinks there is a whole lot of dosh being doled out at foreign banks.
To have told him the truth about foreign bank pay-scales would have meant:Sunday, December 30, Service Quality. Well, its pretty simple. I read this book over the weekend deutschland em nordirland only because a friend of mine from ABN Amro recommended it to me. He wants to chuck up his fenerbahce spiel heute live fcn pauli HLL simply because lotto24 anmelden thinks there is a whole lot of dosh being doled out at foreign banks. To have told him the truth about foreign bank pay-scales would have meant: In this game the monkey may not know his numbers, but he definitely understands coconuts. Monday, September 10, Why Retail Banking? ABN and Citibank too give out stock but nothing to excite you enough. Is Chetan Bindra Ajay Banga? Join them while they explore tipico klassische website winter wonderland in this online game.