Professional Certification in Banking & Financial Services

Description

Course Name: Professional Certification in Banking & Financial Services

Course Id: PCBFS/Q1001.
Eligibility: 10+2 (higher Secondary) or equivalent.

Objective: To familiarize students with the fundamentals of banking, financial operations, and regulations. To develop skills necessary for roles in banking, insurance, investment, and financial management.

Duration: Three Months.

 How to Enroll and Get Certified in Your Chosen Course:

 Step 1: Choose the course you wish to get certified in.

 Step 2: Click on the “Enroll Now” button.

 Step 3: Proceed with the enrollment process.

 Step 4: Enter your billing details and continue to course fee payment.

 Step 5: You will be redirected to the payment gateway. Pay the course and exam fee using one of the following methods:
Debit/Credit Card, Wallet, Paytm, Net Banking, UPI, or Google Pay.

 Step 6: After successful payment, you will receive your study material login ID and password via email within 48 hours of fee payment.

 Step 7: Once you complete the course, take the online examination.

 Step 8: Upon passing the examination, you will receive:
• A soft copy (scanned) of your certificate via email within 7 days of examination.
• A hard copy (original with official seal and signature) sent to your address within 45 day of declaration of result.

 Step 9: After certification, you will be offered job opportunities aligned with your area of interest.

 Online Examination Detail:

Duration- 60 minutes.
No. of Questions- 30. (Multiple Choice Questions).
Maximum Marks- 100, Passing Marks- 40%.
There is no negative marking in this module.

 Key Benefits of Certification- Earning a professional certification not only validates your skills but also enhances your employability. Here are the major benefits you gain:

 Practical, Job-Ready Skills – Our certifications are designed to equip you with real-world, hands-on skills that match current industry demands — helping you become employment-ready from day one.

 Lifetime Validity – Your certification is valid for a lifetime — no renewals or expirations. It serves as a permanent proof of your skills and training.

 Lifetime Certificate Verification – Employers and institutions can verify your certification anytime through a secure and reliable verification system — adding credibility to your qualifications.

 Industry-Aligned Certification –All certifications are developed in consultation with industry experts to ensure that what you learn is current, relevant, and aligned with market needs.

 Preferred by Employers – Candidates from ISO-certified institutes are often prioritized by recruiters due to their exposure to standardized, high-quality training.

 Free Job Assistance Based on Your Career Interests – Receive personalized job assistance and career guidance in your preferred domain, helping you land the right role faster.

Syllabus

Principles of Banking and Finance: Introduction to Banking & Financial Systems, Role of Banks in the Economy, Functions of Commercial and Central Banks, Banking Regulations and Policies, Financial Accounting for Banking: Basics of Financial Accounting, Bank Reconciliation Statements, Financial Statements of Banks, IFRS and Regulatory Framework for Banking.

Banking Operations and Financial Systems: Retail and Corporate Banking, Loans and Credit Facilities, Trade Finance (LCs, Bank Guarantees), Risk Management in Banking, Monetary and Financial Systems: Money and Capital Markets, Functions of Central Banks, Monetary Policies and Their Impact, Interest Rates and Inflation.

Banking Law and Financial Markets: Banking Laws and Regulations, Anti-Money Laundering (AML) and Compliance, Consumer Rights and Data Protection, Ethical Issues in Banking, Financial Markets and Institutions: Structure of Financial Markets, Role of Stock Exchanges and Bond Markets, Investment Banking Basics, Global Financial Institutions (IMF, World Bank).

Investment and Risk Management: Introduction to Investment and Risk Management, Financial Markets and Investment Instruments, Investment Principles and Portfolio Management, Credit Risk, Market Risk, and Operational Risk, Hedging and Derivatives, Basel Norms and Risk Compliance, Fixed Income and Interest Rate Risk Management Behavioral Finance and Investment Psychology, Corporate Finance and Risk Analysis, Risk Management Regulations and Compliance, Emerging Trends in Investment and Risk Management.

Digital Banking and Financial Technology (FinTech): Introduction to Digital Banking & FinTech , Financial Technology (FinTech) Ecosystem , Payment Systems & Digital Transactions, Online and Mobile Banking Trends, Cryptocurrency and Blockchain in Banking, Cybersecurity in Financial Services, Artificial Intelligence and Automation in Banking, Cybersecurity & Data Privacy in Digital Banking Cybersecurity & Data Privacy in Digital Banking, Digital Lending & Credit Scoring, Regulatory & Compliance Framework in Digital Banking.

Microfinance and Rural Banking: Concept and Importance of Microfinance, Risk Management in Microfinance, Financial Inclusion Strategies, Financial Products and Services in Microfinance, Rural Banking Structure and Institutions, Technology and Innovations in Microfinance, Role of Cooperatives and Rural Banks, Challenges in Rural Banking. Entrepreneurship and Financial Management: Basics of Entrepreneurship and Business Financing, Managing Business Loans and Credit, Financial Planning for Entrepreneurs, Role of Banks in Business Growth.

Job Opportunities after completion of Professional Certification in Banking & Financial Services course:

Graduates of the Professional Certification in Banking & Financial Services program acquire foundational knowledge in financial services, banking operations, investment management, and risk assessment, making them well-equipped for a variety of roles within the banking, finance, and insurance sectors. This program offers career opportunities across multiple industries, ranging from traditional banking institutions to fintech startups and investment firms.

Career Options and Salary Range

1. Banking Associate / Relationship Manager

• Role: Serve as a point of contact for customers, managing their banking needs and offering products such as loans, credit cards, and insurance. Relationship managers focus on acquiring new clients and retaining existing ones.
• Salary: ₹3–₹6 LPA; experienced relationship managers can earn ₹8–₹12 LPA, especially in corporate or retail banking.

2. Bank Officer

• Role: Responsible for overseeing daily banking operations, processing transactions, ensuring compliance, and managing customer accounts. Bank officers may work in branches or corporate banking departments.
• Salary: ₹4–₹6 LPA; senior bank officers can earn ₹8–₹12 LPA.

3. Credit Analyst

• Role: Assess the creditworthiness of individuals, companies, or projects applying for loans. Credit analysts analyze financial statements, credit reports, and market conditions to determine lending risks.
• Salary: ₹5–₹8 LPA; senior credit analysts can earn ₹10–₹15 LPA.

4. Investment Banker

• Role: Provide financial services to clients such as raising capital, mergers and acquisitions (M&A), and advisory on investments. Investment bankers work with corporations, governments, and other institutions to structure deals.
• Salary: ₹8–₹15 LPA; senior investment bankers can earn ₹20–₹40 LPA or more.

5. Financial Analyst

• Role: Analyze financial data and prepare reports to support business decisions. Financial analysts typically work in investment firms, banks, and corporations, helping companies understand their financial position.
• Salary: ₹5–₹8 LPA; experienced financial analysts can earn ₹12–₹20 LPA.

6. Risk Manager

• Role: Identify, evaluate, and mitigate financial risks that could negatively impact an organization. Risk managers in banking assess risks related to credit, market, and operational issues.
• Salary: ₹6–₹12 LPA; senior risk managers can earn ₹15–₹25 LPA.

7. Loan Officer

• Role: Assist individuals and businesses in applying for loans. Loan officers evaluate financial status, credit history, and other data to approve or deny loans for personal, home, or business purposes.
• Salary: ₹4–₹7 LPA; senior loan officers can earn ₹8–₹12 LPA.

8. Financial Planner

• Role: Provide financial advice to individuals and businesses, helping them manage their investments, plan for retirement, and meet long-term financial goals.
• Salary: ₹5–₹8 LPA; experienced financial planners can earn ₹12–₹20 LPA, particularly if they work with high-net-worth clients.

9. Wealth Manager / Private Banker

• Role: Specialize in managing the finances of high-net-worth individuals (HNWIs) by offering personalized investment strategies, tax planning, and estate management.
• Salary: ₹8–₹15 LPA; senior wealth managers can earn ₹20–₹35 LPA or more.

10. Insurance Advisor / Agent

• Role: Sell and advise clients on insurance products, including life, health, property, and casualty insurance. Insurance advisors typically work for insurance companies or as independent agents.
• Salary: ₹2–₹5 LPA; top-performing insurance advisors can earn ₹8–₹12 LPA through commissions and incentives.

11. Bank Branch Manager

• Role: Oversee the daily operations of a bank branch, including managing staff, ensuring customer satisfaction, and meeting sales targets for financial products like loans and deposits.
• Salary: ₹7–₹12 LPA; experienced branch managers can earn ₹15–₹25 LPA.

12. Accounts Manager

• Role: Manage the financial accounts of an organization, including overseeing budgets, preparing financial statements, and ensuring tax compliance.
• Salary: ₹5–₹8 LPA; senior accounts managers can earn ₹10–₹15 LPA.

13. Treasury Manager

• Role: Manage a company’s liquidity, investments, and financial risks. Treasury managers ensure the organization has sufficient cash flow for operations and investments.
• Salary: ₹8–₹12 LPA; senior treasury managers can earn ₹15–₹25 LPA.

14. Tax Consultant

• Role: Advise clients on tax strategies, ensuring compliance with tax laws and helping with tax planning, preparation, and audits.
• Salary: ₹4–₹8 LPA; experienced tax consultants can earn ₹10–₹15 LPA, particularly if they specialize in corporate taxation.

15. Corporate Finance Executive

• Role: Focus on financial management within a corporation, handling budgeting, financial forecasting, and investment decisions. They also support corporate financing and capital management strategies.
• Salary: ₹6–₹10 LPA; senior executives can earn ₹12–₹20 LPA.

16. Financial Auditor

• Role: Audit financial statements of organizations to ensure accuracy and compliance with regulatory standards. Auditors help prevent financial fraud and ensure transparency in financial reporting.
• Salary: ₹4–₹8 LPA; senior auditors can earn ₹10–₹15 LPA.

Salary Growth Overview

• Entry-level: ₹3–₹6 LPA (roles like Banking Associate, Loan Officer, or Insurance Advisor)
• Mid-level: ₹6–₹12 LPA (roles like Credit Analyst, Financial Analyst, or Risk Manager)
• Senior-level: ₹12–₹35 LPA (roles like Relationship Manager, Investment Banker, Wealth Manager, or Branch Manager)

Factors Affecting Salary

1. Location: Salaries are typically higher in metropolitan cities like Mumbai, Delhi, Bengaluru, and Chennai due to the concentration of financial institutions and business activity.
2. Industry: Banking and finance professionals working in investment banks, multinational corporations, and fintech startups often earn higher salaries compared to those working in retail banking or government positions.
3. Experience: As with most fields, salary growth is closely tied to work experience. Professionals with more years of experience and those in managerial or senior roles can command higher compensation.
4. Specializations: Professionals who specialize in high-demand areas such as wealth management, corporate finance, and investment banking are likely to earn higher salaries.

Graduates of the Professional Certification in Banking & Financial Services program have the opportunity to work in diverse sectors, including retail banking, investment banking, corporate finance, insurance, financial consulting, and more, with potential for strong career growth and competitive salaries.