Bank Solutions

Bankers Quotient offers a choice of standard and customised On-boarding solutions for Officers and Clerical Staff to reduce the gestation period of newly acquired talent. Our highly exhaustive & customizable curriculum, Expert panel of teachers, State of the art computer labs and pedagogy provides a realistic learning experience.

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Our standard On-boarding programs include the following modules:

An Institutional, Statutory & Legal Framework: Historical evolution, Banking Structure in India, Negotiable Instruments, Principles of Book Keeping & Accountancy, Payment-Settlement System, Types of Customers and Deposits, Introduction to Financial Inclusion

Retail and Loan Products, Ancillary Services, Government Business (pension and PPF), Bank Profitability and New Sources of Revenue, Internet Banking, Marketing of Bank services, Overview of Branch Functioning.

Grooming and Etiquette, Fundamentals of Interpersonal Communication, Listening Skills, Basics of good Customer Service.

The first 2 minutes, the power of small talk, establishing a rapport, open and closed questioning skills, choosing the right product to offer, simplifying the benefits, closing techniques, cross selling, up selling.

In depth and hands on training on opening and managing Savings Account, Term Deposit Account, Loan Accounts. Authorization procedures, CBS Reports, Remittances, Security Aspects, ATM-Mobile-Internet Banking, overview of e-commerce.

Analysis of Financial Statements, Ratio Analysis, Analysis of CMA data, Working Capital Finance, Cash and Fund Flow statements, Retail and Small Business Loans, Documentation/Registration of Charge/Limitation/Insurance, Letters of Guarantee, Post-sanction follow-up, Loan Delivery Mechanisms and Rating tools, Basic Awareness and Procedure of Re-finance, Branch as a Profit Centre, Bank's Loan Policy, compliance to RBI norms, Credit Monitoring Mechanisms.

Concept of NPA, De-regulation and it's impact, Recovery in Standard and NPA Accounts, Suit Filed/Decreed, MSME Financing, Understanding the Dynamics of the Rural Economy, Understanding Financial Inclusion, Agricultural Finance, Financing Village and Cottage Industry, Basics of Financial Risk.

Historical Evolution, EXIM Policy, Regulatory environment, Non Resident Account, INCO terms, Import Letter of Credit, Inward and Outward remittances, Working Capital requirements for Exporters, SWIFT and FEMA, Field Visits related to Inward remittances, Category A/B/ C Branches, Pre-paid cards.

The average tenure of a newly promoted Branch Manager has dropped from 7 years to 2.5 years over the last decade. The challenge that banks face is to develop a learning agenda that can condense the maturity building process for inexperienced Branch Managers from 7 years to 3 years.

The Ascent Leadership Series is based on the distilled experience of conversations and design efforts conducted with a diverse group of leaders in the industry. Unlike traditional 'training' programs, Ascent is a flexible learning framework that can be integrated into the annual performance management cycle. It is designed to build maturity (not just skills) and can be customised for the specific requirements of partner banks.

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  • Conceptual Grounding
  • Workplace Simulations and select case studies
  • Measurable knowledge and skill objectives
  • Rigorously designed Assessments on Core BM Competencies
  • Need based programs in select functional areas
  • Success linked to Certification by Bank (optional)
  • Synthesis of collective experiences
  • Insights from Expert Panelists, Inspirational Leaders
  • Interactions with Star Performers

The Executive Development Program has been designed by the BQA Governing Council to groom change leaders in the banking fraternity. The program, spread over 6 days systematically explores key change drivers in the new economy and their impact on the financial landscape.

The program draws on the expertise of thought leaders and practitioners from not just banking, but diverse fields of technology, human relations and social entrepreneurship.

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Program Architecture: Executed over 6 days, each day of the Program has a dominating theme that is anchored by senior industry leaders and acknowledged experts across Banking, HR, Consulting etc. Participant groups will develop tactical recommendations that will get continually refined as they gain perspective through the program.

Theme Session
The Big Picture
  • Macro and Micro economic influences in Banking
  • Emerging trends in financial sector/ the impact of disruptive technologies
  • A Reality Check -Current Bank financial fundamentals /Navigation Map
  • Critical Challenges - A discovery process
Planning & Strategy- focus on Profitability and Capital Growth
  • Environmental scanning - identifying emerging opportunities , customer profiling and customer-specific business strategies
  • Business Planning - Sustained profitability, capital build and Return of Assets
  • Government Guidelines under Indradhanush and KPIs
  • Focus discussions on Strategic growth areas
Harnessing Technology for Growth
  • Global Trends in adoption of Digital technology
  • Digital Payments & Information Security
  • Business Analytics - data driven customer engagement strategy
  • Group Presentations on Digital Action Plan
Qualitative Credit Growth
  • Challenges in financing MSME & priority Sector
  • Empowered decision making for Credit Growth
  • Opportunities in Retail
  • Pre-emptive Credit Monitoring & NPA Management
Taking the Lead
  • Transformational Leadership - A Practitioner's View
  • Leading for Performance - Essential Leadership Conversations
  • The every-day leader's guide to stress
  • Action Planning - My Learning Contracts
Valediction
  • Recommendations & Resolutions - group presentations to Top Management
  • MD-CEO's response
  • Formal closure and valediction

The Post Graduate Diploma in Banking and Finance (PGDBF) has been jointly developed by Banker's Quotient Academy and Bharathidasan University to develop qualified and skilled officers in the Indian banking sector. This unique solution provides a high quality talent pool for your sourcing needs.

The thrust of the training is to impart functional knowledge and skills in various aspects of Bank Operations as well as General Management, professional IT skills and Personal Effectiveness. On successful completion of the Program, the students will be absorbed by the Sponsoring Bank as Probationary Officers in their branches or any other position.

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  • Graduate in any discipline
  • Eligible candidates would be subjected to a selection process comprising: Written Test, Group Discussion, Interview by the Sponsoring Bank / Banker's Quotient Academy
  • Total 12 months – 2 Semesters of 6 months each
  • Last 3 months – On the Job Internship at Sponsor Branches
  • PG Diploma awarded by Bharathidasan University
  • Instructor led Classroom Sessions
  • Field Assignments
  • IT and Personal Effectiveness Skill Labs
  • Role Plays and Individual/ Group Presentations
  • Guest Lectures by industry experts
  • Project
  • Can accommodate 300-400 candidates
  • Fully Residential with special provisions for female candidates
  • Extensive In-campus Infra – includes Medical Emergency, Library, Recreational and General Fitness facilities
  • Macro - Economic Environment of Banking
  • Banking Business, Products & Services, Operations
  • Organisation behaviour and Personal effectiveness (Practical)
  • Accounting fundamentals, Business maths and IT in banking (Practical)
  • Project work - Understanding Customer needs
  • Marketing and Sales
  • Loan Recovery and NPA Management
  • Internship – On the job training with Sponsoring Bank Electives – Any Two
  • Retail banking and Wealth Management
  • Treasury management & International banking
  • Advance communication ( Practical)
  • Corporate banking (Practical)
  • Human resource management
  • Risk management & Balance sheet management

Professional Certifications

  • JAIIB/ DBF from IIBF
  • AMFI Certification from NISM
  • Depository Operations Module – NSDL

BQ Academy Support

  • Reference Books in Academy Library
  • Registration Support & Hand-holding
  • Special Instructional Classes for JAIIB
  • Study circle support for AMFI and Depository course
  • Facility to write the exam in the campus

Candidate Financing

  • Special Educational Loans/ Top-up Financing Loans available by the Bank
  • Stipends to ensure retention and incentivize completion