Hey, Fellow Credit Experts! 🚀 You know the toughest part of assessing a credit proposal and writing those proposal notes? Yup, you guessed it—analyzing the financials! 🤯 It can be super confusing, right? All those numbers our Excel sheets throw at us when we feed in three years’ worth of balance sheet figures… there’s no […]
In any industry, promotions and appraisals are inevitable, but their effects can be both positive and negative. While many organizations claim to use a scientific approach to promotions, it’s crucial to reflect on whether this process is truly effective. The consequences of wrong promotions can be serious and sometimes irreparable. Let’s explore a few key […]
Introduction- Understanding the balance sheet isn’t just for accountants—it’s a fundamental skill for every business owner, banker, and investor. This powerful tool reveals the financial health of a firm, guiding critical decisions on liquidity, sustainability, and growth. In my latest blog, I break down the golden rules of aligning short-term and long-term sources with their […]
The Reality Behind Graduation and Employment: A Story of Gaps and Opportunities India’s talent landscape paints a challenging picture. Every year, 9 to 10 million students graduate across fields, yet only 7 to 8 million job opportunities are created annually (Source: India Talent Insight Reports 2024 and ILO Employment Report 2024). The result? A growing […]
Customer service is more than just a requirement; it’s the lifeblood of customer relationships in banking. In an era where digital banking is rapidly reshaping the industry, ensuring that customers receive exceptional service at every touchpoint has never been more crucial. This blog delves into the importance of customer service in banks, exploring the role […]
In a world that is increasingly moving toward digital and financial inclusion, it’s essential to recognize that not everyone has the ability to read or write. For illiterate persons, banking can be a daunting task, and there are special provisions in place to ensure that they can access financial services while minimizing the risks of […]
The banking and finance sector is poised for a significant transformation in the coming years, driven by two key factors: the expansion of business volumes and the large-scale retirement of experienced personnel. This shift is expected to create an unprecedented demand for skilled and qualified manpower, equipped to meet the evolving needs of the industry. […]