To all those who are willing or are planning to appear for IBPS SO exam for marketing officers, Please follow this thread and decide accordingly if you wish to join as Marketing officer with Union bank of india because they have 300 vacancies out of 310 vacancies in total. A brief background about me: I'm working as a marketing officer with Union bank for the last 4 years , currently posted in Mumbai region. 1) Marketing officer with Union bank is equivalent to field sales executives that private organisations employ for on-field operations. 2) Currently there are two divisions- assets and liabilities MOs 3) Asset MOs are the one responsible for sourcing retail loans, primarily housing loan, mortgage loans, vehicle loans and personal loans. Liabilities MOs are responsible for Current and Saving accounts , Government schemes, Third party products like mutual fund, life insurance and health insurance. 4) Now, apart from the roles assigned above,MOs can be called for anything and everything. 5) There is no specific reporting. You'll have to report to your vertical head, regional head, Zonal head, General manager, central office , ULP heads (in case of asset MOs) all at the same time. Anybody from all of these mentioned above can call you for a meeting at any point in time and will have expectations from you. 6) You, as a liability MO are also required to report to branch heads and plead at times to get the accounts opened, sourced by you. If the branch doesn't do the labeling inspite of you requesting them multiple times, you will be blamed. You don't have a seat anywhere. You are expected to roam around in the field and go to different branches with your account opening forms. You're also expected to conduct camps in various colleges, institutes and bring accounts, Government schemes and third party products. 7) As asset MOs, you're required to source business on your own. You'll have a designated loan point where you can submit your proposal for processing. The branch head for that loan point will take your reporting. Vertical head will ask you to report to her, general manager of Mumbai will ask you to report, so will the central office. There will be multiple campaigns running simultaneously, some by the regional office, some by zonal office and some by central office- all the targets for these campaigns have to be completed by you. 8)In case of Any problem with Current acount or saving account, MO will be held accountable and anybody can question you, review you and scold you. 9) Once you get into this role, please understand that none of the skills that you acquired during your mba or previous jobs are going to be of any use. 10) Also, there is no holidays on Saturdays and Sundays. You can be called for any camp/function even on holidays. Whenever the bank or the region conducts any event, it is compulsory for the MOs to attend the event while there is no such obligation on other employees for attending the same. 11) Other PSBs merging into Union bank have allowed their MOs to convert into generalist profile but union bank has categorically denied that. They will continue to keep MOs in the same role till scale 3. Post that the option to convert to generalist profile is available. 12) The pressure to achieve your targets is intense. You'll be called for random reviews and scolded. Brace yourself for that. You'll be made the scapegoat for anything. 13) Your promotion to next scale is delayed by an year as compared to the POs who had joined the bank with you. So after 2 years, the POs who joined with you will be your seniors. Also, while there are around 900 seats for promotions for POs, it will be around 40-50 for MOs. In that too, not all the seats are fulfilled. In case you face any problem, nobody in the bank will stand for you. MOs for them are the useless ones who don't have any backing , nor do they have anybody to fall back upon. In view of the merger, the promotion criteria for POs would be relaxed while the same won't happen for MOs. This post is not necessarily a rant against the profile. This is the reality. For anybody , who is getting into this considering that there won't be any pressure or that there are any benefits , the cons outweigh the pros here. Your talent and skills would count for nothing once you're here. I know it depends on the individual choices but you could consider all of this while making a decision. Also, if all you need is a government job where you wont be fired, you could still go for it. You could be happy if you start licking the ass of the management, let go your personal and family life. Even on Sundays, if they ask you to come , you have to come and if you don't come, you ll be threatened of not being given any leave in the future. The reason why there are hiring such a huge number of MOs is because they would be using their services for the merged banks of Andhra and corporation bank. Andhra bank doesnt have MO profile while corporation bank has allowed all its MOs to convert to generalist profile. So the entire onus for doing business for the merged banks would fall back upon the MOs. If the rumour mill is to be believed, the bank is also planning to float a NBFC where it will transfer all its bad loans and subsequently put lot of MOs into that organization. So there are chances that you might be put into that organization and then, you'd not be eligible for all the perks and allowances , that you're entitled to, as an employee of Union bank.
#IBPS #SO 2019: Notification PDF (out), Application Process, Eligibility - SuccessLynk
Check Details : https://lnkd.in/fKvGyXf
#IBPS #SO 2019: Notification PDF (out), Application Process, Eligibility - SuccessLynk
Check Details : https://lnkd.in/fKvGyXf
Jin banks ne vacancies release nhi ki h abhi.. Aage vacancies ane k unke chances h kya?
Hai guys suggest me best books to learn IT officer
Ping me on what's app for Ibps So HR group 2019-20@9304505634
IBPS PO ScoreCard Released Direct Link Over here: https://www.toprankers.com/exams/ibps-po-score-card/
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SO HR 2019
Please tell me the marketing officer preliminary cutoff.
#IBPS #SO Recruitment 2020: Application for Specialist Officer posts beg - SuccessLynk
Check Details : https://lnkd.in/fuSJsZu
Hi Guys !!
Para jumble jisse har exam m 5 questions ate hai….to agar 5 number krne hai english mein pakke to is live class ka reminder set krlo aaj hi jo 24th November ko hai subah 11:00 baje.
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#IBPS #SO 2020: Application registration process for 1163 vacancies closes today SuccessLynk
Check details : https://lnkd.in/fuvpmHX
Guys this post is in public interest .
I noticed so many sites are misguiding you about PRE and MAINS cutoffs .
I request you not give attention to these cutoff as these are not offical one .
Let me tell you the offical one for the HR as I m from this field so i remembered that one only
PRE general : 62
OBC 60
SC 58 ( doesnt exactly remembered this )
ST 55
Other then this I took the screenshot of the Mains cutoff from the offical site at that time ...that i will share with anyone who need that please share ur email in the comment section
IMPORTANT FOR IBPS AFO EXAM
Main types of cropping system:
Mono-Cropping (Monoculture):
In this practice, only one crop is grown on farmland year after year.
In March this year, the Food and Agriculture Organization (FAO) released its report “The State of the World’s Biodiversity for Food and Agriculture 2019”, which flagged the growing practice of monoculture, cultivation of a single crop at a given area, in food production around the world.
Only 9 plant species account for almost two-thirds of total crop production.
In many parts of the world, biodiverse agricultural landscapes have been, or are being, replaced by large areas of monoculture, farmed using large quantities of external inputs such as pesticides, mineral fertilizers and fossil fuels.
Multiple-Cropping:
Under this practice, farmers grow two or more crops in their farms in one year with intensive input management practices.
This practice includes:
Inter-cropping: In inter-cropping, farmers grow two or more crops simultaneously on the same field in one year.
Mixed-cropping: This practice involves planting two or more plants simultaneously in the same field, interdigitating the crops so that they grow together.
Sequence farming: It involves growing crops in sequence within a crop year, one crop being sown after the harvest of the other.
Primitive Subsistence Farming:
This type of farming is a ‘slash and burn’ agriculture, it is practised on small patches of land with the help of primitive tools like hoe, dao and digging sticks, and family/community labour.
It depends upon monsoon, natural fertility of the soil and suitability of other environmental conditions to the crops grown.
In this, farmers clear a patch of land and produce cereals and other food crops to sustain their family.
When the soil fertility decreases, the farmers shift and clear a fresh patch of land for cultivation.
It allows nature to replenish the fertility of the soil through natural processes; land productivity in this type of agriculture is low as the farmer does not use fertilisers or other modern inputs.
Intensive Subsistence Farming:
Intensive Subsistence Farming is practised in areas of high population pressure on land.
In this type, high doses of biochemical inputs and irrigation are used to obtain higher production.
Commercial farming:
In this type of farming, higher doses of modern inputs, e.g. high yielding variety (HYV) seeds, chemical fertilisers, insecticides and pesticides are used to obtain higher productivity.
PLEASE TELL ME THE BOOKS TO PREPARE FOR MAINS OF IT OFFICER!? ANYONE?
How to prepare for the Pre
IBPS SO Prelim 2019: Admit card to be out next week #Successlynk
Check Details: http://bit.ly/2YAEFAZ
Central Bank of India SO IT 2019 group link-https://www.pagalguy.com/discussions/central-bank-of-india-so-it-2019-63731186743738