Is a purchase order job at a bank that horrible?

Updated on : December 3, 2021 by Aidan Hayes



Is a purchase order job at a bank that horrible?

No, no job is horrible, it is our intention that makes it such a horrible business. I have worked in a public sector bank as an Asst Manager for 3.5 years, so I am qualified enough to answer this question.

It all starts when you meet a friend who is preparing for the bank exams. By looking at the calendar, you will see that IBPS performs the exam very quickly and without corruption. You see that pink image and you get carried away by an officer's TAG. WOW ... it feels. You will get to become an officer at a young age without going through all that unpredictability and uncertainty on other exams. Just one exam with

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No, no job is horrible, it is our intention that makes it such a horrible business. I have worked in a public sector bank as an Asst Manager for 3.5 years, so I am qualified enough to answer this question.

It all starts when you meet a friend who is preparing for the bank exams. By looking at the calendar, you will see that IBPS performs the exam very quickly and without corruption. You see that pink image and you get carried away by an officer's TAG. WOW ... it feels. You will get to become an officer at a young age without going through all that unpredictability and uncertainty on other exams. Only one exam with a defined curriculum and you can have a stable life. You prepare your heart for the exam and you finally manage to pass the exam. His name appears on the list of final merits and is on cloud nine.

Now, you join the bank and you have all these noble thoughts that you will work well, have a healthy life, peace and happiness and all that. Since I was recruited for agriculture, I had the dream of putting my knowledge to reactivate the low levels of productivity of the agricultural sectors and impart Knowledge Transfer and technology. One fine day you get the date you have to report and you get your new clothes and somewhere in your mind you are excited about the new job.

But then the DAY comes.

The pinkish image that he painted in his mind is lost when he sees the Branch. You think you are an officer and the employees would greet you, but WTF, they are treating you like their son, sometimes calling you "beta". Nonsense speaking speaks as he does in a personal relationship quite contrary to the style of professionalism to which he has become acclimated during his studies at renowned universities in India. Now you question the level of professionalism of the organization. There are things that you believe should not be there and that are unethical, such as customers who are mistreated by staff, employees who do not listen, employees who refuse to do assigned work directly in person. It brings you complete humiliation and shame.

Remember that at this point you have not received training or any basic orientation about the Bank. They will give you objectives from day 1.

5 loans a day.

5 OTS per day. (Recovery)

5 APY per day

Other things I'm not saying, some other answers cover it well.

You fail to achieve and see the way they speak to you. They can abuse your mother, your sister and what not, make you feel unworthy, consume less and, ultimately, helpless. Sooner or later you lose the spark and end up being part of the same group that you considered undisciplined and unprofessional. You cannot get out of the bank because they will require you to pay back the BONUS money along with 3 months of GROSS SALARY, along with the TRAINING costs (which was useless), which together amounted to Rs. 535000 / - in my case. Now you are trapped and you feel claustrophobic. you can't go anywhere and you don't have enough resources to pay for it. Now you choose whether to continue or continue paying the money, but then you choose to stay. You make a plan to complete your bond period and then resign. You choose to prepare for UPSC or any other exam, but since the bank expects you to stay late, sometime until 9 pm-10pm on the pretext that you are single and therefore expendable. You can't do anything right. The Manager mistreats you at will, in front of your subordinates and clients, so you lose the sense of respect between subordinates, who now do not even care not to want you and take pride in denying your authority. He feels helpless and decides to approach the Regional Office to explain the situation. But they are insensitive and say that you are not special, and they have been through it too. In turn, they load you with heavier targets and launch abuses. Another thing they do is join branches. In my case, they commissioned me with 8 branches, sometime until 9 pm-10pm on the pretext that he is single and therefore expendable. You can't do anything right. The Manager mistreats you at will, in front of your subordinates and clients, so you lose the sense of respect between subordinates, who now do not even care not to want you and take pride in denying your authority. He feels helpless and decides to approach the Regional Office to explain the situation. But they are insensitive and say that you are not special, and they have been through it too. In turn, they load you with heavier targets and launch abuses. Another thing they do is join branches. In my case, they commissioned me with 8 branches, sometime until 9 pm-10pm on the pretext that he is single and therefore expendable. You can't do anything right. The Manager mistreats you at will, in front of your subordinates and clients, so you lose the sense of respect between subordinates, who now do not even care not to want you and take pride in denying your authority. He feels helpless and decides to approach the Regional Office to explain the situation. But they are insensitive and say that you are not special, and they have been through it too. In turn, they load you with heavier targets and launch abuses. Another thing they do is join branches. In my case, they commissioned me with 8 branches, so you lose a sense of respect among subordinates, who now don't even care not to want you and take pride in denying your authority. He feels helpless and decides to approach the Regional Office to explain the situation. But they are insensitive and say that you are not special, and they have been through it too. In turn, they load you with heavier targets and launch abuses. Another thing they do is join branches. In my case, they commissioned me with 8 branches, so you lose a sense of respect among subordinates, who now don't even care not to want you and take pride in denying your authority. He feels helpless and decides to approach the Regional Office to explain the situation. But they are insensitive and say that you are not special, and they have been through it too. In turn, they load you with heavier targets and launch abuses. Another thing they do is join branches. In my case, they commissioned me with 8 branches, Another thing they do is join branches. In my case, they commissioned me with 8 branches, Another thing they do is join branches. In my case, they commissioned me with 8 branches,

Ultimately, you can't take any more and become a REBEL. But somewhere you were a kind and dedicated guy. And you still feel bad when you are mistreated. But you can't retaliate. You are subject to the laws that govern our country (and the bank, of course).

You start avoiding work and allow yourself to be yelled at, mistreated, finger pointed and all that. You are in an emotional mess. Those late-night phone calls, from clients and bank management asking for progress, that nosy flattering boss who insults you, and the pressure of overly ambitious goals, also affect your health. You end up being a very unstable person, characterless and indecent. YOU ARE INJURED. Now he has served two years at the bank and resigns. But, unfortunately, his resignation is not accepted the first time. They torment you and ask you all kinds of nonsense just to humiliate you. Those last three months' notice is hell. They ensure that you withdraw your resignation and do not give up.

Because it took a lot of effort and dedication on the part of the idiotic team of "professionals" to screw it up. And they wouldn't get such a cheap slave easily. They call it investment. Finally the date is set for you to be free. And you literally beg them to let you go. After giving them so many unethical favors and ego massage at every step of wanting to quit. They finally let you go, WISHING THE BEST LUCK IN YOUR FUTURE EFFORTS.

BUT UNDER A HEADER YOU MAY BE CALLED U AT ANY TIME IN THE FUTURE FOR ANY PENDING INQUIRY OR ANY SHIT. You feel bitter, by now. He has lost esteem and respect. You move in society with your head down. Like you've been fired. You are mad at them, but what is the point. By now you are emotionally damaged, feeling depressed, and thinking about killing yourself. It has lost its spark by now, with a point of no return. He has lost the ability to concentrate comfortably and do things perfectly and is going nowhere.

Why did this situation come about?

For lack of conscience.

  1. The bank is a government job.- No, the bank is a lot like a private job, with the exception of the government having 51% shares, that's all.
  2. Bank officer: no brother, you are not an officer, it is similar to being a customer service executive in BPO, you are that kind of officer.
  3. You are there to manage: Yes, but all you can manage is how you will do the manual work. The classic definition of management is missing here, and you don't do the work, but you do it yourself.
  4. You have powers at least in the Bank. No, just responsibilities, no power. If an employee or sub-staff speaks to you rashly, all you can do is "ask" them not to speak to you that way. That is all. You cannot issue a charge sheet or suspension, even if you make a mistake. His Union is strong and he will oppose you to hit you, the management will not support you either
  5. All you do at the bank is sit back and serve customers. No, no, no ... The bank works with profits and not with social services. They can give you the goal of getting ten loans today, getting them from anywhere they don't care. Just get it. If you are not prepared to bear the worst of it. Now the thing about loans is A. It is not aloo gibhi what you give to someone… .B. You cannot “get someone” to take a loan, you can improve your services to attract people, you can market your product, but you cannot force anyone to take out a loan. C. Recoveries - You have to beg with folded hands, people don't give money, increase the NPA, but you can't fight them or they will file FIR on an individual basis, all you can do is file a lawsuit or RC, It comes under the jurisdiction of Tehsil and we all know how they work. The administration forces you to recover money in some way, or again Abuses and humiliations. So you have to get people to do things, which again is problematic because your performance depends on any performance of Tom Dick and Harris.
  6. It's a respectable job. To hell with respect, it will even take away your respect for yourself. You are just a punching bag for the administration and the garbage can, and for the employees it is a pride to face someone of high technical level.
  7. It's a 10 to 5 job - No, 10 to 10

So, according to me, it is a cognitive suicide, an emotional suicide, and most importantly, a spiritual suicide.

The problem is that those who have never been to the bank start to comment on the bank and mislead people about the situation. And also those people who have quora credentials like Retd. Banker. Banking in his day was an entirely different ball game. At that time, the branches used to have a staff of 100 people in a branch. now the same branch has 5 people.

So at the end of the story

Banking like any other job is a job. which is a bit difficult but cannot be undone. The mistakes we make when selecting the bank as a career are in haste, desperation, or lack of knowledge / awareness. And when those aspirations are not fulfilled, we feel really bad, and it is a disastrous situation to be in it. The mere fact that people scored an exam is in itself proof that you are smart. Still, why are so many people criticizing a banking job? There may be a few reasons.

  1. Bank policies suck.
  2. It is a slave owner relationship.
  3. He does not use his intellectual abilities. So good thinkers just stay away.
  4. It is a market job, so it is for people who can speak like baniya and traders. Without thinking and for hours and hours with the benefit in mind.
  5. Banks are mismanaged by these desi management practices. and for asses. that they were themselves screwed up by their bosses.
  6. It is not a government job.
  7. The pay is too low to maintain a safe standard of living.
  8. Cultural differences when sent to another city or culture. The problem is not in serving elsewhere, but in depending on them, since they do not give you accommodation and you have to rent a place, which makes you vulnerable.
  9. It's a lot like private culture, only worse.
  10. It is not an English-speaking society, they shout maa ki bahan ki, large-scale on the branch as they talk to each other.
  11. You cannot make a positive contribution. I once brutally chased a dalal from my branch and put an end to the dalali culture. clients were happy while senior bankers were unhappy and unnecessarily bothering me. I guess you understand the links.
  12. I never had a fight or confrontation with clients to date. I respect them because it is for them and for them the bankers are there. What I hate is the unhealthy ideology of bank wallahs who do not empower the bank's youth and in turn want them to be like them. Listening to all those nonsensical talks and sharma varma, idleness and policy discussions during banking hours.
  13. These banking wallahs are napunsak, then, because they don't have the guts to defend the truth and they admit that their practices are bad. They just don't want to improve. and they never will. They only understand the language of RBI and FinMin. When they take Gm and DGm class, they literally pee in their pants.

So, my friend, if you are under two conditions,

  1. You desperately need a job as you have no one to support your family, take it, at least you will be rendering a service to your family.
  2. You are passionate about banking as a subject and you respect this discipline alongside God.
  3. You are exceptionally good at manipulating people and can speak sweetly to the face, that is. standard double talker. Go for it.
  4. You are expendable, parents want to get rid of you, go ahead.
  5. You have no sense of prestige, esteem, respect, hierarchy, discipline and meaningless love, go for it.
  6. You are chronically messy and there is no more chance of ruining your life, try banking safely. PSB are masters of screwdriving.
  7. You don't have problems with people who abuse you without any problem, and you even have problems studying or doing something that requires your intellectual side.

The choice is yours, I tell you all this, to let you know how much I love you and do not want you to ruin your life. Choose wisely.

Capitalism is a good slave but a bad master. Value your health first, your family second, and then everything else.

Sorry for the response written so fast that I may have made grammatical mistakes, I am on my way to my appointment with the psychiatrist, one of the by-products of working in a bank, I am 28 years old and I am on the verge of a chronic failure of the organ system , I'm obese and extremely weak.

All for the good of the bank, because at that time, my health and my self-respect were lower than the bank's profits.

Again choose wisely.

It is not as bad as people portray it. It's like any other job where you have to work hard to generate profit for your organization and you have to take risks. Yes, it does get a bit hectic and stressful at times, especially when you've been told that today is the login day for some campaign that is running for the last few days and that you have to do at least that much business in this particular segment, etc. .

But we must always remember that no job is perfect and has all the things an employee wants or wants. The bank, like any other organization, can only survive on profits and it will

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It is not as bad as people portray it. It's like any other job where you have to work hard to generate profit for your organization and you have to take risks. Yes, it does get a bit hectic and stressful at times, especially when you've been told that today is the login day for some campaign that is running for the last few days and that you have to do at least that much business in this particular segment, etc. .

But we must always remember that no job is perfect and has all the things an employee wants or wants. The bank, like any other organization, can only survive on profits and will do everything possible to obtain them.

If we consider the pros and cons of working in the banking sector (I mean public sector banks) the list is as follows: -

Pros:

  1. Decent salary: Yes, a lot of people will cry about this too because it is much less than any other central government. employee. I am working as a deputy director at a PSB and I get a disposable salary of 58k excluding benefits and incentives, which is pretty decent I guess. and they have only been in the position for two years.
  2. Good advantages: Yes, the best part is that you get many advantages (although it varies from bank to bank), the bank (SBI) where I work gives me many advantages: money for gas, newspaper, mobile bill, Charges per hand of construction, cleaning material, utility items, a total amount of one year for the maintenance of furniture, which generates between 15 and 16k each month, and also a lot of money to buy furniture and electronic items every 10 and 5 years, respectively.
  3. Leased accommodation - Although it also varies from bank to bank, you will get a decent amount of leased eligibility for your accommodation. I live alone in a 2 BHK apartment in one of the best locations in a Tier 1 city.
  4. Faster Promotions - Promotion is significantly faster compared to many other governments. works. If we compare the promotions of a bank officer with those of an officer selected by the SSC, an average bank PO will get at least 3 promotions in the first 10 years of his career compared to an SSC officer who will get only one.
  5. Subsidized Loans: Yes, you will get a great concession on the interest rate of the loans. Believe me, it is much bigger than we think. That means buying a 2 BHK apartment in a Tier 1 city won't be a big deal for you. I am about to buy one.
  6. Extra recognition and reward for a sincere and hardworking employee - many will have doubts about this too. But it's true, if you're doing it right, top management will appreciate and respect you.
  7. Helping the needy and poor: When helping the miserable people, you may consider yourself working for an NGO, which will quench your impulses for charity.
  8. No Night Shift - No matter how long your working hours are, you won't get a night shift. So it is possible to walk early in the morning and exercise.

Now Cons:

  1. Hectic: Sometimes work gets too hectic and stressful, and you can't think about what I'm doing and what higher authorities want us to do.
  2. Top Management Insatiable Greed: Even after you achieve your goals, they are not satisfied and want you to do more. A Pheltora of Goals.
  3. Without administrative power: You will not get any power. Even a customer who has 1000 / - in their bank account can yell at you for no valid reason.
  4. The Biggest- PUBLICATIONS: Yes, this is the biggest downside to working at a PSB that can get you extremely bad post: thousands of miles from your hometown, remote location, no good facilities, and dumb people. You can have them all if you are a rebel in the organization.
  5. Risks: This job is quite risky since it is about the clients' money, which is the most important thing for them (for everyone in today's world). Even a small mistake can cost you a lot.

So these are the few (in my context) pros and cons of working as a bank officer. But in the end, I will say that it is a decent job at least better than working in an IT company (I have also worked there for 2 years) and believe me, no job is perfect. The level of the exam is very difficult and the competition is fierce and if you can pass it, just celebrate: you will have the right to enjoy an above-average lifestyle and you will see clear professional growth and you will do something real. friends (your colleagues) with job security as a bonus. ENJOY .. life is short, don't worry too much.

Edit: Thank you very much for all the upvotes. It means a lot to me.

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