What are the career options (jobs and higher education) available to you if you want to leave a PO job at a public sector bank?

Updated on : December 6, 2021 by Lucian Aguirre



What are the career options (jobs and higher education) available to you if you want to leave a PO job at a public sector bank?

Before I used to search for an answer to this question. Now, having resigned from SBI, I think I can add my perspective.

You may have come to the bank's PO work for one of the following reasons:

1) You did your bachelor's / master's degree and were studying for various government jobs. Perhaps you also worked in a small or medium-sized company. Maybe you were in the race for the Upsc. You were among the good students at your school or university, and with a little effort, you were able to pass a PO exam. Most likely, you are not too dissatisfied with the job. Yes, you will face difficulties, which is a reality in all jobs.

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Before I used to search for an answer to this question. Now, having resigned from SBI, I think I can add my perspective.

You may have come to the bank's PO work for one of the following reasons:

1) You did your bachelor's / master's degree and were studying for various government jobs. Perhaps you also worked in a small or medium-sized company. Maybe you were in the race for the Upsc. You were among the good students at your school or university, and with a little effort, you were able to pass a PO exam. Most likely, you are not too dissatisfied with the job. Yes, you will face difficulties, which is a reality in all jobs, but more in the first years in banking work, but in general you would be happy. However, you will keep trying Upsc.

1) Completed your BE / BTech / MBA and was placed in an engg / IT / finance company. You were fine, but maybe your parents wanted you to get a job in the government. You had an interest in economics and after Raghuram Rajan, in your subconscious, economics became glamorous. So you thought, let me work at the bank. PO ads are hard to resist if you don't have a feel for the banking industry. The SBI PO 2018 recruitment mentioned a variety of packages, with an upper limit above 12 lpa in Mumbai. There are possibilities of shipments abroad. Top management, the president, and the CEOs all started as POs. And this information is not wrong either. So you jump in and, without much effort, you walk in.

It is for the second category of people that the urge to leave the PO job at the bank is very strong. You think, now I will prepare for UPSC. But the syllabus is a lot and most of it is so factual. Some of them dislike you so much that you may start to wonder why you are wasting your youth on them. You find that the job is below your potential. If you receive posts in rural or semi-urban areas, you start to think "Is this where my beautiful girlfriend will live?" For you, the rural area may have a romantic charm, but you don't want to have your wife there. And as you spend time in the bank, you begin to feel that the first 10 years would be difficult. Maybe after you become CEO, things will get better. But at that point, you would be in your mid-thirties.

So, feeling overworked and underutilized, he looks for avenues to migrate to.

Previously, people with experience of 5 or 6 years in nationalized banks, having acquired specialized knowledge in some core areas like Credit or Forex or Treasury, etc., would go to private banks with a good package and publication in the cities.

But in the last two years, a lot of people have started moving into jobs at SSC, inspectors in excise and income taxes, etc. But I would advise people to weigh the long-term prospects of this election before making the switch. There is a great deal of content available on the Internet about the pros and cons of this choice.

Few would try to get into RBI, NABARD, SIDBI.

Someone can figure out UPSC, although that is difficult since the bank job gives you almost no time to study and UPSC, even for the first ones, requires a routine of at least 18 months.

Apart from the above, you can try the following:

1) If the conditions of your family allow it, try to do an MBA from the best IIM. Thereafter, you must be available for a job in the private sector. Few in my batch and later batches have done this as well.

2) Try to complete CFA / FRM certifications, keep improving your skills, so that when opportunities arise at new private banks in senior positions, or at your own bank for overseas shipments, you are good to go.

First let me understand your question! You want to quit the job of a psb. It means that neither culture nor salary and allowances nor both are working.

Now, let's explore other career options.

  1. IT Sector: First of all, you need a bachelor's degree in technology. I don't know the pressure of work, but the work schedules are pathetic. Salary and other benefits are low compared to entry-level PSBs.
  2. Rbi grade B / Narard grade A / B / SEBI grade A- This is your answer. You can opt for these jobs if you want to quit your PSB job. Let me tell you that this is a reputable job that has very good pay and benefits along with considerably good work.
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First let me understand your question! You want to quit the job of a psb. It means that neither culture nor salary and allowances nor both are working.

Now, let's explore other career options.

  1. IT Sector: First of all, you need a bachelor's degree in technology. I don't know the pressure of work, but the work schedules are pathetic. Salary and other benefits are low compared to entry-level PSBs.
  2. Rbi grade B / Narard grade A / B / SEBI grade A- This is your answer. You can opt for these jobs if you want to quit your PSB job. Let me tell you that these are reputable jobs that have very good pay and benefits along with considerably good working conditions. (Source: different reviews of people who work in these organizations)
  3. UPSC - BAAP of all exams. If you think you are capable enough, there is nothing wrong with starting to prepare for the most prestigious UPSC exam.
  4. State PSC / SSC - You can think about this too, as these jobs have the allure of better working conditions and a good work-life balance. Rest if you are working on a PSB. Don't underestimate your work. Good luck.

If age permits, one can join MBA classes to get better professional qualifications. Civil services are another option. It is better to change jobs while on duty. This is essential as job opportunities are currently shrinking.

Yes …. Like any other job, the Bank Officer job is fraught with risks to life and property ... but tell me a profession in which the life and property of the holder are not threatened ... The advantage of the bank is that there is a margin for the holder to avoid risk; The rules and code of conduct under which an officer works give him the opportunity to save his skin; As long as you are functioning within the framework of the prescribed rules of conduct and service, you can get out of the way of ...

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Unless you don't like what you do, it is better to quit smoking and do something you like.

This is the first word I can give.

But, there is a bit more I would like to say about it, as I am also a 27 year old PO and I work in a nationalized bank.

To be frank, I work in a branch that runs a total business of Rs 120 crore on its balance sheet. The most disappointing thing is that I have been in charge of the branch for the last five months as the regular manager is on leave due to some personal issues. It means that I have been managing the branch in the last fiscal year end time, which of course is so

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Unless you don't like what you do, it is better to quit smoking and do something you like.

This is the first word I can give.

But, there is a bit more I would like to say about it, as I am also a 27 year old PO and I work in a nationalized bank.

To be frank, I work in a branch that runs a total business of Rs 120 crore on its balance sheet. The most disappointing thing is that I have been in charge of the branch for the last five months as the regular manager is on leave due to some personal issues. It means that I have been managing the branch as of the last fiscal year ending time, which of course is a crucial thing as far as the banking industry is concerned as it is the last stage of its target achievements, with a newly appointed PO and newly transferred employees, thanks to sudden orders from the vigilance commission as a result of the PNB fraud case.

There were days when I was questioned about my plans to achieve the goals.

There were days when some troublesome clients screwed me up.

They were very cumbersome moments in which I had to go to recover, ALONE, WITHOUT KNOWING THE LOCAL LANGUAGE.

And I even had to face a complaint against me.

It ran like anything else on the branch, as well as in the field.

IT WAS MARCH, DEAR

Deposits, Advances, Death Claims, KYC Compliance, KYC Record Update, NPA Tracking, Recovery, Government Schemes, Internal Management, Cash Management, Complaint Repair, Responding to Calls and Emails from Senior and Senior Officials, Training New Personnel, Settlements, Management ATMs, Passbook Update Machine Management, Networth Customer Belt Increase, Inspection-Oriented Compliance, Completion of Various Data Management Systems, etc., etc., etc etc.

It ran like anything, ALONE.

But, the respect that I enjoy in the society where I work, in the family to which I belong, after all the recognition from the highest authorities for managing a branch to achieve 13 paramets of the 9 last year, made me happy.

And of course, having grown up in a very poor family, the gleam of pride in my parents' eyes when they talk about me fades all those difficult memories of the day.

And the last one, I barely completed a year and 4 months at the time.

And most importantly, I AM A GRADUATE IN A SUBJECT OF BIOLOGY.

I still love my job. However, it is a fact that there is great pressure on this. It is only because we deal with public money.

So go ahead. Try to learn. You have an incredible profession that is very difficult to get. We are all moving forward, so you can too.

This is the history of each PO. They are not completely satisfied with their work due to goals, public transactions, job pressure, transfers, marketing, loan recovery, financial risk, etc.

There is only one way out of this situation. Since you are already working in a government-owned bank, I am not suggesting that you look for any private work. Begin your preparations for other government jobs such as Tax / Excise / Customs Inspector, Assistant Enforcement Officer, Sales Tax Inspector, RFO, ACF, etc. depending on your qualification and interest.

First analyze where you want to establish your career. Accordingly, prepare for t

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This is the history of each PO. They are not completely satisfied with their work due to goals, public transactions, job pressure, transfers, marketing, loan recovery, financial risk, etc.

There is only one way out of this situation. Since you are already working in a government-owned bank, I am not suggesting that you look for any private work. Begin your preparations for other government jobs such as Tax / Excise / Customs Inspector, Assistant Enforcement Officer, Sales Tax Inspector, RFO, ACF, etc. depending on your qualification and interest.

First analyze where you want to establish your career. Accordingly, prepare for that exam. Since you work 8-10 hours a day, you will have less time to prepare for exams like SSC, PSC, etc. But nothing is impossible, you can study 4-5 hours a day and use 8-10 hours on weekends. There may be silly people around you who could demotivate you, so you should ignore them. You have the necessary skill, talent and knowledge and therefore passed a bank PO exam. Now you can definitely solve some other exams too.

There are people who passed exams like UPSC, MPSC, SSC while working as a bank officer. Here is one of the success stories.

Poonam Dalal: The Inspiring Story of a Female Police Officer

Poonam began her career as a primary school teacher in a public school in Delhi. Along with work, he graduated as an external student from the University of Delhi.

After completing his graduation, he took different Bank PO exams and SSC graduate level exams and passed them all. SBI PO, SBI Associates PO, Union Bank Of India PO, SSC Graduate Level 2005, etc. are some of them.

Finally he chose SBI PO. She is sorry that there was no one to guide her through the UPSC exam.

After 3 years at SBI, he joined the Income Tax Department obtaining a very decent rank (7) across India level in the 2006 SSC Graduate Exam, which gave him the confidence to write UPSC.

He made his first attempt at UPSC CSE in 2009 at the age of 28 and earned Railroads (RPF).

She did not join that service and participated in CSE 2010. Again she got Railroads, but a different service (IRPS).

Meanwhile, he had approved Haryana PSC and joined as Dy.SP in Haryana Police in 2011.

All the best

I have 37 years of experience and exposure in banking. I have worked in different capacities from administrative to manager. And the working environment started with the manual system (it means ledger maintenance, records in ALPM (advanced ledger accounting machines), then network branches (Linux / Novel) and finally it was CBS (Core Banking System) Once again, I was in general banking during my office and officer periods. Then, during my work as an officer, I was called to report as a Technology Management Officer to migrate the branches to the CBS environment. Then, I was delegated to a institute to manage

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I have 37 years of experience and exposure in banking. I have worked in different capacities from administrative to manager. And the working environment started with Manual system (it means General Ledger Maintenance, Records to ALPM (Advanced Ledger Accounting Machines), then Network Branches (Linux / Novel) and finally it was CBS (Core Banking System Once again, I was generally banking during my office and officer periods. Then, during my work as an officer, I was called to report as a Technology Management Officer to migrate the branches to the CBS environment. Then I was delegated in an institute to manage CSR activities, there he was generally in the Institute.

In this context, I understand you and your current job. But the problem is different, as I faced a variety of problems at different levels in my career. And the environment was completely different and the entry of electronics to the bank has made life miserable.

I don't mean that computers made life miserable. No. It is the mindset of management, you and your colleagues (employees) and customers are responsible for the current situation. We were also responsible, as the problem was brewing during our time as well.

The current age is the digital age. Everyone is always browsing with systems of smartphones or laptops or the like. The current age wants everything fast. But nobody is interested in doing anything, but they need the remuneration. Banking work really needs to know only 4 math facts (add, subtract, multiply and divide). The officer needs to know some basic analytical knowledge. But due to the entry of qualified personnel with a lazy attitude, an atmosphere of infidelity was created in the banks. We were thinking about the growth of the bank, as we had no choice after a certain age but to hold on to our work just for our survival. But these days tech graduates enter the bank and have the option to jump from one organization to another,

Management staff are NOT tech savvy, which also leads to unexpected demands from subordinates. They try to create fear-psychosis among subordinates to hide their own weaknesses.

And the issue of increased delinquency is created by the Government through the LOAN-MELA and LOAN-WAIVER process system. The current government is trying to appease the business community. All of these factors affect bank officials.

But now, all institutions have the same problem. By changing jobs, you can never be happy. Try to enjoy your life.

You may have waited for some guidance for your inquiring mind at this point, but I find that no job is pleasant. Happiness is just the state of mind. You can never get happiness elsewhere. Society is modified or transformed overnight through certain actions. Demonization has affected everyone, and everything continues to run smoothly.

When the taxi does not avoid anything, then it is advisable to try to enjoy it.

What do you say ?

Dear Sir,

First of all, I would like to thank you for asking this question. I have always dreamed of this question and now you have given me this wonderful opportunity.

Now, let's get back to the answer.

There are many reasons for this. I will try to list some of them here.

  • Times are bad. We have to check in at 9:45 am but there are no rules of any kind about when we have to leave. Keep working hard because that's the only way to keep your bosses happy.
  • Zero appreciation for the work done. You break your back to meet your goals, but in the end, you don't appreciate yourself.
  • Here you are judged by how many hours p
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Dear Sir,

First of all, I would like to thank you for asking this question. I have always dreamed of this question and now you have given me this wonderful opportunity.

Now, let's get back to the answer.

There are many reasons for this. I will try to list some of them here.

  • Times are bad. We have to check in at 9:45 am but there are no rules of any kind about when we have to leave. Keep working hard because that's the only way to keep your bosses happy.
  • Zero appreciation for the work done. You break your back to meet your goals, but in the end, you don't appreciate yourself.
  • Here you are judged by the number of hours you put in and not by your efficiency.
  • The mistakes of the previous officers made in a particular branch are now in the head of the current officer posted there. It is YOUR responsibility to fix it.
  • The application for a marriage license is rejected. Instead, they are told to take seven days off and join as soon as possible.
  • The NPA's recovery is the worst. Even if customers are unable to pay due to multiple reasons, we are expected to pay out of pocket. That's the pressure.
  • Punishment posts. Yes, it is there and people are threatened by it. the top boss doesn't like that particular officer, so he's stationed so far from home that he can forget what home is like.
  • Customers are NOT always right. Sometimes they abuse and threaten us. But if we speak out against this injustice, they tell us that it must have been our fault, so the client had to scream. Therefore, in the end we have to seek the customer's forgiveness and take a letter from him saying that he is satisfied and that he has no complaints against the particular branch or official.
  • There have been cases where the client has shot agents who were in recovery from NPA. But nothing was said about it from top management.
  • Employees are said to be the greatest resources of any particular organization. But the same is not the case with PSBs. The HRM department is slow and lethargic and has absolutely no empathy for officers.
  • We are expected to cross-sell and sell third-party products with absolutely no support from the sales team. The head of the marketing department has no idea about marketing, but he still expects us to complete the goal because top management wants it.
  • There is no place here for honesty and integrity. There are only rooms for booties and ass kissers. I see him every day. And the reason is transfers and promotions.
  • Promotions: the less said the better.
  • The government banking sector is the least appreciated part of our country. We work day to day regardless of support to help the common man achieve his financial dreams, but when it comes to salary review, we are looked down upon from left to right and center. Some people have the audacity to even question our ethics. It seems that the salary review is unethical and we should not charge because we are samaj sevaks.
  • The unions in the PSBs are absolutely a sham! POS worthless. First of all, we are forced to join them in our induction. Then they charge us an annual fee that is nothing more than extortion. And when we have a problem that we need help with, they reject us and say that it is our fault. Manage it yourself. And then they have the audacity to say that they work for us. What a joke! They should be banned in this sector permanently.

I'm sorry for taking so much of your precious time, but these are some of the reasons that come to mind.

But despite all the above, I will still receive you with a smile at my Bank. Because that's what I am.

SOUTH CAROLINA

It depends on the portfolio in which you have been trained. If you have advised clients on investment options, you can join an investment advisor as a consultant in a similar field and handle high-value clients.

If you have been exposed to industrial loans and SME or CORP loans, you could join a financial consulting firm again in your project management arm. To say frankly, 5 years is a little less experience to achieve something great directly. It can go up exponentially if you are really sharp in these fields.

There is also another lucrative option if you don't want to serve with a

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It depends on the portfolio in which you have been trained. If you have advised clients on investment options, you can join an investment advisor as a consultant in a similar field and handle high-value clients.

If you have been exposed to industrial loans and SME or CORP loans, you could join a financial consulting firm again in your project management arm. To say frankly, 5 years is a little less experience to achieve something great directly. It can go up exponentially if you are really sharp in these fields.

There is also another lucrative option if you don't want to work in a finance company as an employee. You can become a Marketing Associate or Home Loan Consultant and provide end customers with comprehensive home buying services. Banks make a payment of almost 40 to 50 paisa per lac, which means you could easily earn in six digits if you register even three or four good deals in a metropolitan city every month. This field of work is good as a satisfied customer will promote your services to your peer group and get more customers.

The problem with people is that nobody is satisfied with their work no matter how good it is. The grass is greener on the other side.

People are working hard to get into PSB after college. Even MBA, BTechs apply for bank job as clerk. After entering the system, they start to find fault there.

Yes, it is a fact that the workload in the banks is too much. But it is also a fact that nobody prevents you from leaving work. People who say that banking work is not good do not have the guts to quit because they know that the condition in each and every sector is very bad. They know it very well too

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The problem with people is that nobody is satisfied with their work no matter how good it is. The grass is greener on the other side.

People are working hard to get into PSB after college. Even MBA, BTechs apply for bank job as clerk. After entering the system, they start to find fault there.

Yes, it is a fact that the workload in the banks is too much. But it is also a fact that nobody prevents you from leaving work. People who say that banking work is not good do not have the guts to quit because they know that the condition in each and every sector is very bad. They also know very well that, despite their performance, no one will fire them from work and the increase will surely come every year.

Banking work or any other job is not bad, it's just that we are not happy with it.

PS: EITHER DO what you LOVE, or Start to LOVE what you DO.

  1. Two years of experience so you will likely need to join as a PO at the bank and have now completed your trial period.
  2. Working abroad is a very different and difficult scenario now if you are not working in a multinational company.
  3. You need to have some specialized knowledge of some domain. It can be in treasury, credit, forex or other. A general experience will not produce the desired result.
  4. The place of your title matters a lot to them. So any fancy IIM, XLRI will give you better opportunities than any other university. If you are a professional like CA, you still have your opportunities.
  5. Luck favors the brave, until
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  1. Two years of experience so you will likely need to join as a PO at the bank and have now completed your trial period.
  2. Working abroad is a very different and difficult scenario now if you are not working in a multinational company.
  3. You need to have some specialized knowledge of some domain. It can be in treasury, credit, forex or other. A general experience will not produce the desired result.
  4. The place of your title matters a lot to them. So any fancy IIM, XLRI will give you better opportunities than any other university. If you are a professional like CA, you still have your opportunities.
  5. Luck favors the brave, until then always update and improve your knowledge and communication skills and keep applying for a job. Look for some references as it really works in the business world.

As far as I know, No. In Kerala, state government positions are filled only through Public Service Commission tests. Once you are selected, you must resign from the bank and join the state service. But the salary will be according to the salary scale for that particular position. If you already work in the state service, you can keep your seniority and your pay. But that is not applicable to central service and central PSU / PSB. But there are some state UPMs where they hire themselves and need people with banking experience. In that case, you can get salary protection to a great extent. But that will be case by case b

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As far as I know, No. In Kerala, state government positions are filled only through Public Service Commission tests. Once you are selected, you must resign from the bank and join the state service. But the salary will be according to the salary scale for that particular position. If you already work in the state service, you can keep your seniority and your pay. But that is not applicable to central service and central PSU / PSB. But there are some state UPMs where they hire themselves and need people with banking experience. In that case, you can get salary protection to a great extent. But that will be case by case. This is the case in Kerala. You have to confirm with your state government.

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