Rajasrima Hore, Branch Manager of United Bank of India

Shares Career Advice on Banking

WORK-LIFE JOB SECURITY INCOME WORK CULTURE IMPORTANCE OF RECOGNITION

BALANCE POTENTIAL EDUCATION

Profile Details
Name​ – Rajasrima Hore
Profession​ – Banking
Designation​ – Branch Manager
Organisation​ – United Bank of India
Age​ – 29
City​ – Kolkata
Work Experience (Years)​ – 5
Under-Graduation​ – B. Tech., Govt College of Engineering and Textile Technology
Berhampore
Professional Qualification​ – PO

Please give us a summary of your Career.

After completing B.Tech., I started working as a Mathematics & Computer Teacher in a
CBSE School at Raghunathgunj, Murshidabad. There, I organized a Mathematics Project
Exhibition for the higher class students. I was also looking after the hostel students.
Then, I appeared for the ​Bank PO entrance exam​ and got selected. I started working as a
Bank Probationary officer in 2013 in a ​United Bank of India (UBI)​. Here, I have to look after
the bank branch operations excluding loans and advances. These operations are related to
the accounts section, govt business, deposits, e-banking etc.
After 4 years of working as a PO officer, I got promoted to Manager in 2018.

Please describe your current Job Responsibilities as Bank

Branch Manager.
As a Branch Manager looking into the whole branch operations is a major responsibility. All
of the employees in my branch report to me. I manage loans, advances, cash, deposits etc.
We have to also undertake several Govt. policies and schemes.

Average Income in Banking in the current scenario

Starting out/Fresher – ​2-5 Lakhs Per Annum
5 Years of Experience – ​5-10 Lakhs Per Annum
10 Years of Experience – ​5-10 Lakhs Per Annum
15 Years of Experience – ​10-20 Lakhs Per Annum
20 or more Years of Experience – ​10-20 Lakhs Per Annum
How do you rate the Income Potential in your career?

Work-Life Balance in Banking

On an average, how many hours do you work per day?
More than 9 hours
On an average, how many days in a week do you work?
6 days
How often are you required to work in night-shift?
Never
Does your work require you to travel?
Often
Does your work require you to relocate to different town/cities?
Often
How would you consider the job security in your profession?
Secure
Would you consider this Profession Risky?
Risky. As we have to lend money to the borrower there is always a risk of fraud. Also,
operational risk is involved in our work.

Overall, how would you rate Work-Life Balance in your Profession?

Overall, how would you rate Job Stability of your Profession? What
are the different ways of entering this profession?
There are several competitive exams to get selected for the Bank PO jobs.

Work-Culture in Banking
How would you rate Stress-Level in your Profession?
Very Stressful
How would you rate your office/work infrastructure?
Good
How would you describe your co-workers?
Helpful
Generally speaking, your work is
Office Work

Overall, how would you rate Work-Culture in your Profession?

Importance of Education in Banking

Would you say that Education from top School/College plays a major role in the
success in this Profession?
No
What level of Education is sufficient to be successful in this Profession?
Simple Graduation
Would you say that Studious students are generally successful in this Profession?
No
How would you consider the Cost of Education post 12th?
OK
At present, which institutes are best for the education of this profession?
These are best coaching institutes for Bank PO exams: mahendras.org, riceindia.org,
www.miesgroup.com​, careerpower.in
What is the cost of education (post 12th) of this profession at present?
Around 20,000 to 30,000 Per Annum
Overall, how would you rate the role of Education in your Profession?
According to you, what kind of person is likely to be Happy &
Successful in Banking Profession?
First Personality Trait –​ Energized by people, enjoy a variety of tasks and good at
multitasking
Second Personality Trait –​ Focus on facts and details and apply past experiences to
come up with practical solutions to problems
Third Personality Trait – ​Prefer to make decisions using logic by weighing the pros and
cons
Fourth Personality Trait –​ Prefer to keep the flexible plan and keep options open
Fifth Personality Trait –​ Prefer to seek new experiences and create new things
Sixth Personality Trait –​ Prefer to be easy-going and flexible with life
Seventh Personality Trait –​ Prefer to be cooperative and compassionate
Eighth Personality Trait –​ His/Her Family and Friends agree that S/he get easily stressed
out, angry and irritated.

What are some of the positives, which would encourage

someone to join Banks?
This job enhances one’s personality and broadens her horizon, as one has to multi-task
almost every minute.
One gets to meet and build relations with all kinds of people in your area, which helps in
your social life.
I also feel privileged to implement several Govt. policies such as demonetization, which the
country faced 2 years ago.
Many a time, we may get transferred to different parts of the country getting a chance to
travel.

What are some of the negatives that you would want someone to
be aware of when considering a career in Banking?
Thinking of negatives, the first thing that comes to my mind is the risk factor. As it is all
about money and business, there is always an operational risk, frauds, thefts, dacoity etc.
Also, the selection of borrowers is very important for lending, because if we lend money to
people or company, who don’t return the money, then we are to take the blame of not doing
due diligence.
Sometimes bankers can get trapped by the local goons resulting in some unwanted
situations.
Work pressure disturbs personal life balance.
Also, a transfer can detach you from your family disturbing the family life.

Recognition in Banking
What is your family’s view of your Profession?
My Family is Neutral
What is Friends’ view of your Profession?
My Friends are Impressed
What is Society’s view of your Profession?
Society is Impressed
Overall, how would you rate the Recognition aspect of your Profession?

General Information of your Profession/Business

What kind of family’s financial background can maximize success in this profession?
It Doesn’t Matter
What is the ease of starting own business in this field?
Very Difficult, because opening a Bank requires you to seek a License from Government,
which is very difficult unless you are part of a large business house.
How easy is it to move to a different country in this profession?
Maybe Easy for Few
Now you have several years of work experience and you have seen professions of
others. If you are taken back to 10th/12th class and allowed to pick a profession, then
which profession will you pick and why?
I would have taken Central Govt job for better remuneration, lesser job risk and no
long-working hours.
Contributing Writer - ​Jayti Biswas

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