Why A Custom Bank Training Program is Important Before you Join the Job?
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Why A Custom Bank Training Program is Important Before you Join the Job?

Post Graduate Certificate in Retail Banking

Are you interested in knowing the core knowledge about banking? Do you think you can be a good Finance influencer then the Postgraduate Certificate Program in Retail Banking is for you?  In this program, you will learn about every microscopic knowledge about banking, be its savings accounts, mortgages, credit cards, and auto loans, debit cards, credit cards, ATM cards, home loans, etc. Retail banks are the banks that focus on the individual. It is all about serving the customers by doing the needful.

It is about handling retail customers rather than handling the corporate one. It deals with individual customers and their financial needs. In Retail banking, one will get the knowledge about tip to toe about banking. You will learn about the savings and transactional accounts for an individual customer.

There are three main Retail Bank types:-

  • Commercial banks
  • Credit loans
  • Investment funds
  • Operations
  • Commercial banks are those which allow general public individual customers to deposit their money in the banks and they also give loans to the people for the purpose of investment.
  • Inform them about the credit loans offered by the various financial sectors, Insurance sector, and Banking sector. Retail Banking is also known as consumer banking. A credit loan is something which helps you in increasing your credit score by which you can improve your credits and saving deposits.
  • You work for customer investment funds giving them knowledge about the best investment schemes and guide them for the same. Many of the banks and other organizations offer investment plans. In the course, you will learn about all cons and pros about different investment plans to counsel your customer in the future.
  • It deals with the operations of retail banking.

There are many of the customers who just wanted to save their money for some purpose such as future perspective, marriage, home, vehicle, etc.  Retail banks work for such kinds of customers who want to make an individual savings account.

The whole program works on the complete development of an individual. It will work on the hard skill as well as the soft skill of the course seeking candidate. It will work on your personality development, grooming, and communication skills.

Key Skills

The postgraduate certificate in retail banking program is about giving the surfaced knowledge about banking policies and financial policies.

Retail Banking deals with the individual customer rather than working for any Corporate body.

It works for the general public individual customers and resolving their queries related to finance, investment, savings.

It helps students in acquiring practical knowledge and ace the interview.

The postgraduate certificate Retail banking program has been designed to give the quality of education and experience and it provides you the best faculty to empower your career.

The vision of the postgraduate certificate in retail banking program is to inculcate knowledge about retail banking and provide quality of employees to the banks.

It is trying to bring the young and energetic banking professionals in the industry so as to see the change in banking work culture.

It is not only trying to work on your hard skill but also on the soft skills to ensure skilled employees.

Retail banking is the second name of consumer banking, thus you are trained to deal with the consumers of the bank. Thus this course makes you a people’s man. This course helps you develop soft skills to deal with people. This course is the perfect mix of banking knowledge and interpersonal skill development.

Some topics that you will learn are Finance and Accounting Fundamentals, RBI rules, Banking structures etc.

Subjects in Retail Banking

Post Graduate Certificate in Retail Banking is a 90 days course that produces top class banking professionals. This course is crafted in 3 months in various modules to impart banking as well as computing knowledge for proper management of accounts. These modules are designed keeping in mind to teach the latest rules and regulations and RBI norms. This is the module wise breakup of subjects that will be taught in the course:

Hands-on Experience 

The bank training programs mostly include real visits to the bank branches. They also provide experiences of actual industry scenarios by organizing workshops with industry professionals. This kind of exposure can only come through networking.

Module 1: Retail Banking
  • Overview of Banking & Finance
  • Finance & Accounting Fundamentals
  • RBI – Roles / Functions
  • Banking Structure & its functions
  • Concept of money and interests
  • Type of Customer
  • KYC/AML Guidelines
  • Documentation – CASA
  • NRE / NRO / EEFC & RFC Account
  • Cash Operations
  • Fund Transfer – RTGS/NEFT/IMPS/NACH
  • Clearing Operations & CTS
  • Third-Party Products – Sale & Service
  • Account Services(Non-financial)
  • Customer Grievance Handling
  • Deliverable Management
  • ATM Operations
  • Lobby Management
Module 2: Regulatory Guidelines
  • Customer Service
  • BCSBI & Labour Law Compliance
Module 3: Banking Sales
  • Selling Skills
  • Relationship Management
  • KYC Guidelines
  • Cross-Selling
Module 4: Risk Management
  • Preventive Vigilance
  • Document Verification Sites – PAN Card, Dl & Aaadhar
  • e-Surveillance & Data Capturing
Module 5: Digital Banking
  • Digital Banking Channels & Products
  • Branchless Banking
  • Marketing of Digital Banking Products
  • Payment Systems
Module 6: Professional Excellence
  • Communication Skills
  • Business Etiquettes
  • Mock Interviews, Group Discussion
Module 7: Retail Trade
  • Balance of Payment & Trade
  • FEMA / EXIM / FEDAI Guidelines
  • ICC Rules – Incoterms/URC/URR
  • Documentation – Bill of Exchange/Invoice/Bill of lading & Airway Bill
  • Letter of Credit/Types & Bank Guarantee
  • Imports – Buyers Credit & Merchant
  • Pre/Post Shipment Exports
  • International Finance – Libor/Loan Syndication
  • Risk – Currency Risk, Country Risk, Credit Risk, Exchange Risk & Legal Risk
Module 8: MS Excel
  • Asics of Excel & Formulas
  • VLookup & HLookup
  • Pivot Table
  • Important Functions
Module 9: Core Banking Solution
  • Finacle
  • Flexcube

Learning Outcomes

Banking is the industry that is never out of employment. Banks are always in the need for the professionals that have knowledge of banking and financial processes that help us to run the bank smoothly. The PG Certificate in Retail Banking helps in producing such individuals that have the proper understanding of the banking and financial process.

Eligibility

The eligibility criteria are very minimal as compared to other courses. To get a Post Graduate Diploma in Retail Banking you must be a graduate from any field. With a minimum of 50% of marks in X, XII and graduation are required to get Post Graduate Diploma in Retail Banking. The maximum age to apply for this diploma is 28 years.

Who is this Program for?

The programs are meticulously crafted for students who have a keen interest in the banking sector. This course gives students the perfect knowledge of Banking, finances and Computer Knowledge which is required to give a student an extra edge to be a world-class retail banker. The students pass out to get placed in top banking and financial institutes such as ICICI, Muthoot Finance, AXIS, HDFC etc.

So if you’re looking to shoot up a career in the ever-growing banking sector, PG Diploma in Retail Banking is for you.

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