Includes two courses: covering deposit and fee based products, as well as clearing for various payments, in the Retail Bank. Excellent for a Relationship Manager in Branch Banking.
|Retail Banking and Finance in India|
The structure & functions of a Retail Banking Unit.
How a bank branch acts as a banking channel. The roles in a branch:Front Office Operations: Teller, Relationship Manager etc.Back Office Operations: Cash and Vault, Locker Operations etc.
How other banking channels (such as - ATMs, Phone Banking, Internet Banking etc.) work.
|Clearing & Settlement||Players in the Payment System, Key terms used in payments - such as 'On-Us', 'Off-Us', 'Correspondent bank' etc.Cheque Payment Mechanism: A discussion on the process and participants of cheque clearing. Different clearing methods - 'Local Clearing', 'Speed Clearing'.etc. When each method is used.International Cheque Payment: Mechanism of clearing an international cheque.|
Cheque Truncation System (CTS): Process and advantages.
|Electronic Payments - ECS Debit & Credit||ECS: An introduction to ECS and the participants.|
ECS Debit & ECS Credit: The process, features and benefits to a customer.
|Electronic Payments - NEFT & RTGS||NEFT: The process, when NEFT is used, customer benefits.|
RTGS: The RTGS process, with illustrations; when RTGS is used, customer benefits.
|Payment Cards||Classification of payment cards: Pay before, Pay now and Pay later: product examples (Stored Value, Debit and Credit cards.|
How each type works and customer benefits.
Anjali has worked in Blow Plast, Bank of America (retail assets), and Cognizant Technology Solutions – pre-sales and heading domain competency- Financial Services Group.
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