CAREER GUIDE Friday, August 15, 2003, Chandigarh, India

Mr Raj Kumar JainPrivate banks offer rewarding jobs
Manoj Kumar
Secured jobs with fat pay-packets may have dried up in public sector banks, but there is no dearth of challenging jobs in the private banking sector for those, who are smart, dedicated, hard-working and have good communication skills.

Girls of Indian origin shine in UK
Prasun Sonwalkar

Girls of Indian origin are the highest performing among students of all groups in Britain, including the majority White community, latest official figures reveal.




Private banks offer rewarding jobs
Manoj Kumar

CHANDIGARH: Secured jobs with fat pay-packets may have dried up in public sector banks, but there is no dearth of challenging jobs in the private banking sector for those, who are smart, dedicated, hard-working and have good communication skills. Equipped with a first-class graduation, MBA or CA and these skills, one can expect to earn between Rs 7,000 and Rs 10,000 per month at the entry level, and can rise phenominally, says Mr Raj Kumar Jain, Assistant Vice-President, UTIBank.

After completing his graduation in 1984 from Gurgaon, Mr Jain (40) joined Indian Bank as an Assistant in Gurgaon. With sheer hard work and dedication, he became an officer in 1991 and was posted in Mumbai for five years. With the coming of new-generation private banks, he says, "I decided to plunge into the tough and challenging world of private sector banks — IndusInd first and later UTIBank."

At present, he is looking after the bank’s operations at SASNagar and surrounding towns, and is drawing an annual package of Rs 7 lakh. He says, "I am satisfied with my slow and steady career graph. The deposits at this small branch have already crossed Rs 28 crore. However I want to see myself at the regional managerial post within a next few years." He spoke to TNS about openings in the private banking sector. Excerpts from the interview.

What sort of job opportunities are available in the private banking sector?

A: The private banking sector is expanding at a rapid pace. It offers tough but rewarding jobs to the youth in the field of marketing, financial consultancy, bank operations and at the managerial level.

Q: What are the qualifications required to get a job in a private sector bank?

A: No doubt, a first-class graduation, MBA or CA helps one get an interview call. But it is the smartness, communication and marketing skills, dedication and hard work which make lasting impact on the management. These skills help get a job.

Q: What skills are required to get a job in private sector bank?

A: No doubt, a first class graduation, MBA or CA degree helps one get an interview call. But it is the smartness, communication and marketing skills, dedication and hard work which make lasting impact on the management. These skills help get a job.

Q: What is the salary level for entrants in the banking sector?

A: Bankers are ready to pay any amount of to the right kind of managers who can assure good business smoothly in the tough competitive environment. Otherwise, for a fresher, the starting package can be anywhere from Rs 75,000 to Rs 1 lakh per annum. However, what attracts talented youth to this growing sector are good incentives and annual increments.

Q: What are your suggestions for those wanting to join the banking sector?

A: Anyone who wants to enter this service sector should commit himself to provide world-class customer service and groom one’s personality to make a mark on the customer and the management. Besides having sound educational qualifications, he should be ready to work hard for long hours.

Q: What is the future of jobs in the private banking sector?

A: Public sector banks may be upgrading their infrastructure to compete with the new-generation banks, but with the growth of the economy and demands of specific segments, there would be no shortage of business for banks which can offer innovative and customer-tailored services at low cost. UTIBank has plans to start 50 branches during the current financial year. Other banks are also expanding their branches to semi-urban and rural areas.


Girls of Indian origin shine in UK
Prasun Sonwalkar

LONDON: Girls of Indian origin are the highest performing among students of all groups in Britain, including the majority White community, latest official figures reveal.

Indian girls are 10 percentage points ahead of the next best group, the Whites. Indian boys have emerged the third in the list of ethnicity-wise performance.

"Indian pupils are more likely to get qualifications than other ethnic groups, with 66 per cent of Indian girls and 54 per cent of Indian boys doing so. This contrasts with only 37 per cent of Pakistani and Bangladeshi girls and 22 per cent of Pakistani and Bangladeshi boys," according to the Office of National Statistics (ONS).

In 2001/02, people from some minority ethnic groups in Britain were more likely to have degrees (or equivalent) than White people. Those most likely to have degrees were Chinese people, Indians, Black Africans and other Asians.

Among men, Black Caribbeans were the least likely to have degrees (8 per cent). Among women, Pakistanis and Bangladeshis were the least likely to have degrees (7 per cent).

Despite some ethnic groups being more likely than the White population to have a degree, they were also more likely to have no qualifications at all.

ONS documents state that Pakistanis and Bangladeshis in particular were most likely to be unqualified. Nearly half (48 per cent) of Bangladeshi women and 40 per cent of Bangladeshi men had no qualifications. Among Pakistanis, 40 per cent of women and 27 per cent of men had no qualifications.

"Bangladeshi and Pakistani boys are the lowest achieving groups and it is essential that we and the government look at why they are letting themselves down and why the system is letting them down," commented the weekly Eastern Eye in an editorial.

Experts are divided over the reasons behind the high success rates among Indian students and low performance of Bangladeshi and Pakistani pupils.

According to Mr Gautham Sen of the London School of Economics, the poor performance of Bangladeshis and Pakistanis was related to the agricultural economy of the regions they hailed from — Sylhet in Bangladesh and Mirpur in Pakistan.

"These people have different values as far as education is concerned. Indians place a higher emphasis and will essentially put all their eggs in one basket as far as education is concerned," he told the weekly. — IANS



How can I become a ‘headhunter’?

After my B Com, I would like to be a ‘headhunter’. How can I become one?

— Manjeet Singh

A colloquial term for a placement or HR expert, a ‘headhunter’ can best be described as mediator who provides clients with the best brains in any field (for a fee of course). These professionals help their clients choose the right candidate for the right job and on the other hand, a person (in need of a job or wanting to change his job) with the right placement.

For instance, if a company that has advertised for a vacancy, interviews candidates, shortlists them and doesn’t get the appropriate candidate for the job, all the advertising expense, labour and time goes down the drain.

On the other hand, if the same company approaches an established headhunter, it would save a great deal on expenses, effort as well as on time.

However, all this requires an extensive and well-researched database, including the demands of different companies, various industries, their pay scales, working style, promotion policies, etc. Compilation of CVs and shortlisting of candidates to match the client’s specific requirements forms the next part of the job.

Typically, headhunters have a postgraduate degree in Personnel Management or Human Resources (HR) as it is now called, and preferably an MBA from a good B-school. In addition, most of them possess several years of experience in the field. Alternatively, they may be seasoned HR managers who have diversified into placement consulting down the line.

Personal traits such as good convincing and communication skills (without coming across as overly pushy or persuasive) and networking savvy are an asset for the job.

You also need to be totally clued into the current placement scenario so that you can get the best deal for both parties.


I want to pursue a course in fisheries. What are the opportunities for me after doing MSc in Fisheries?

— Govind Lodhi

Fishery Sciences is a lucrative career option. After the completion of a degree in fisheries one can find opportunities in various allied fields such as of aquaculture, fish nutrition, fish pathology, fish genetics and biotechnology. Compared to other countries, India’s situation in the aquaculture field is still in the developing stage — meaning there is tremendous scope for expansion.

Aquaculture technology is more than a job, it’s a way of life. Industry, research and teaching are the main sectors of work.

Industry where the work revolves around fish cultivation; both private and public sector organisations carry out scientific breeding and cultivation of fisheries, etc.

Research involves extensive study and experimentation in Central, state and private institutions. You can also opt for teaching at various academic institutions around the country.

Various jobs available to a student of fishery science are:

a) Farm management: Is a supervisory position where factors like site selection, design, construction of ponds, stocking, water quality management, feeding, growth, hazard analysis and the harvesting stage are all looked after

b) Fisheries inspector: Is in charge of the transportation of fish seed to the various fishery stations.

c) Hatchery management: Hatcheries have a completely controlled environment, which is conducive for procreation. Fish seeds are grown in a highly stimulative condition, which is even better than the natural environment. When the seeds are reared to full marketable size, they are released into ponds and other water bodies.

d) Post-harvest management and processing of stock: is essential to ensure that the merchandise is in good condition whether it goes to domestic or foreign markets.

e) Lastly, research is necessary to improve the output of various types of fish and to advance the preservation and processing procedures. Whether it is working in the Fisheries Department or starting your own export business, fishery is here to stay as a lucrative option.

Seed production and hatchery operations are some of the related careers you can diversify into subsequently.

Correspondence course

Since I could not get admission to B.Com in a decent college, I will have to do my graduation through correspondence. Please tell me if a correspondence course is considered on a par with a regular full-time course? What will be my chances of procuring a job after getting the degree?

— Gurpreet Kaur

Although a regular full-time course is always preferable, the chances of landing entry-level jobs straight after graduation will be more or less similar, irrespective of the mode of study. Call centres, insurance companies or marketing firms, for instance, will not differentiate between the two as long as the other requirements are in place.

Also the degree that is awarded to you at the end of a correspondence course does not specifically mention the mode of study.

Certainly the prospects get bright if you acquire a professional postgraduate qualification. Since mere graduation is not sufficient to equip you with the skills required to enter a profession, the PG course you pursue subsequently is what will really matter. Even if you do your Bachelor’s through the distance mode, make sure your PG course is a regular full-time one, and preferably from a reputed institution.

At the PG level, correspondence courses are fine only for those who need to supplement their work experience with formal qualifications.

So don’t worry, go ahead and enrol for a Bachelor’s degree through correspondence from a good university.

Delhi University’s Campus of Open Learning offers a range of Pass and Honours courses, including B.Com (Hon) at the Bachelor’s level. All you need is an aggregate of 45 per cent for the honour’s course.

— Pervin Malhotra, Director, CARING

Please send in your query preferably on a postcard along with your name, complete address and academic qualifications to: Editor, Query Hotline, The Tribune, Sector 29, Chandigarh-160020, or at




1. Name the organisation whose findings have reportedly revealed the presence of pesticides and insecticides in some soft drinks.

2. Name the High Commissioner of India to Pakistan.

3. Name India’s light combat aircraft that recently crossed the sound barrier.

4. Who is the Chief Minister of Arunachal Pradesh?

5. Which planet would be closest to the earth in 1,00,000 years on August 27?

6. What is the name of Britain’s external intelligence service?

7. How many years ago did the Wright brothers create aviation history with their first powered flight?

8. What is the capital of Azerbaijan?

9. Expand ONGC.

10. Name the line separating the Pakistan-Afghanistan border.

11. Name the Internet worm that recently attacked Windows operating systems worldwide.

12. Who was recently chosen for the Rajiv Gandhi Khel Ratna award?

13. Which woman player recently got the number 1 ranking from the World Tennis Association?

14. Who has scored the maximum runs in an innings in Test cricket for South Africa?

15. Who was the first Indian to play county cricket?

Name.......................Class........School address.......................

Winners of quiz 187: The first prize by draw of lots goes to Nikita, VIII-B, Our Lady of Fatima School, Ajit Nagar, Patiala. Second: Manisha Kal-Kal, 9thB, Arya High School, Kamod village, PO — Misri, teh— Ch Dadri, dist — Bhiwani, Pin — 127042.

Third: Dixit Kumar, class 8th, Govt Sen Sec School, Kotla, teh Jawali, dist Kangra (HP), Pin-176205.

Answers to quiz 187: JM Lyngdoh and Shantha Sinha; Article 44; Maulana Fazlur Rehman; Thailand, Laos and Myanmar; Dr YV Reddy; Godavari; Prem Chand; Gloria Macapagal Arroyo; Monrovia; Vikram Seth; Barcelona; Fifth; 201; East Bengal; Steve Waugh.

Cash awards of Rs 400, 300 and 200 are given to the first, second and third prize winners, respectively. These are sent at the school address.

— Tarun Sharma