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Day: July 28, 2021

Good to Have: New Age Skills in Credit Risk & Analysis!

Posted on by Imarticus

Many people think that credit risk and analysis is a dying industry. They believe that technology or computers in the future will take it over. However, this couldn’t be further from the truth.

In reality, Credit risk and underwriting degrees are becoming more critical in today’s world because they teach people to work with numbers and use them effectively for decision-making purposes.

 

Skills for Credit Risk Analysts:

A career in credit risk and underwriting requires a diverse skill set. You must understand the intricacies of various industries, have excellent analytical skills, and have an in-depth knowledge of accounting principles. However, it’s not just about the technical aspects.

A successful candidate also needs to possess some New Age Skills such as leadership abilities, communication skills, and negotiation experience. New skills must be learned to stay on top of the latest trends. One of these new skills is programming, which can help with data analytics and automation.

Here are some other common skills required for a Credit Risk Analysts:

Strong quantitative & analytical skills: Credit Analysis requires digging into financial statements & analyzing credit risks using tools like ratio analysis. Hence having an analytical mind is important.

Knowledge of financial analysis: A Credit Analyst must know their way around financial statements & develop a knack to find items impacting the company’s debt-paying abilities. Risk analysis is a part of their job profile and may demand analysis of different scenarios.

Attention to detail & diligence: Errors made in assessing creditworthiness can be costly for the entity & stakeholders too.

Communication skills: Credit Analysts course prepare financial standing reports, which needs excellent report writing skills. They are also required to interact with company management & clients, to scrap out information & discuss problems. Good people with oral communication skills excel as credit analysts.

Credit Risk Analyst CourseComfort with Financial/Statistical software: Credit analysis requires risk analysis using statistical software. Knowledge & comfort working on such platforms is an advantage.

Move up the Ladder with Imarticus Learning:

A Credit analyst’s job is challenging and demands analytical solid skills. Looking for careers after graduation, you can get placed as junior analysts/management trainees assisting analysts. However, to move up on the ladder, you may need a Master’s degree or certification courses like CFA/CA/FRM.

Imarticus Learning offers Credit Risk and Underwriting Prodegree that helps you carve a career in Credit Risk Underwriting. Students get an in-depth understanding of the dynamic banking & non-banking financial corporations (NBFC) loan markets during the program.

credit risk and underwriting courseThrough this Credit Risk and Underwriting Prodegree, students acquire a powerful toolkit that helps them understand the credit landscape, learn the entire process of loan assessment and due diligence and conduct financial analysis. The students get hands-on learning experience and explore five comprehensive case studies linked to different aspects of the curriculum.

After completing this course, students are rewarded with an industry-recognized Certificate of Excellence in credit risk & underwriting. The certification represents the skills & knowledge they have imbibed during the course and can be used to boost your portfolio and resume. To answer your questions like what after B.Com? This CRU Pre-degree is the answer!

For further details on business analytics courses in India, contact us through the Live Chat Support system or visit our training centers in Mumbai, Thane, Pune, Chennai, Bengaluru, Hyderabad, Delhi, Gurgaon, and Ahmedabad.

Why Data Security Should Be a Top Priority?

Posted on by Imarticus

Data science has revolutionized how businesses utilize information and leverage it to achieve their objectives. Businesses in the contemporary heavily rely on the use of data and analytics to obtain valuable insights about the market, customer base, competitors, etc.

Decision-making is not random in the modern digital age; it involves complex analysis and data churning to make outcomes more favorable and predictable.

best data science courses in India Data science training has gained new heights in the past decade and there is a growing demand for professionals in this field, making the data science career one of the most sought after and rewarding ones.

Today, data stored by companies is not just some random piece of information that no one looks at twice, it has gained a new significance and is kept confidential. Cybersecurity is a concern in the modern digital era, where data is not less than fuel for businesses.

Cybercrime has also gained momentum with the growing demand for data by businesses. Data security should be a top priority for businesses in the light of recent cybercrimes that has affected both small and large businesses. One can easily opt for a data science course from reputed organizations like Imarticus Learning and learn all about this discipline.

 Data Security a Necessity

Data security entails protecting vital digital information from theft or corruption.  Data security ensures that your confidential information is safe and secure and could not be altered by any other party.

Businesses also hold personal information related to their customers and protecting it is a necessity for the longevity and growth of the business. Let’s delve deeper into why data security should be a top priority for businesses.

  • Potentially Unwanted Program (PUP)

Data security is not just needed for large organizations but even the smaller ones need it to keep their confidential information secure. Potentially Unwanted Programs, popularly termed PUPs are one of the major data security threats that affect small businesses. Small businesses generally receive complimentary bundle software with the purchase of new tools.

At times, some spyware could get installed while working on these software packages if not sorted out properly. The consequences could be complete system slowdown, hacking, etc. One can easily avoid these PUPs by installing software from reliable sources only and inspecting the installed ones from time to time.

  • Increase in Data Breach Damages Reputation

Data breaches can turn out to be very costly for businesses. It can lead to a decrease in sales volume and also impact an organization’s reputation negatively. People will be more reluctant to trust a brand that has had cases of a data breach in the past and they won’t be comfortable availing products or services from these organizations.

A famous example of a data breach that resulted in a huge loss was Target’s 2013 breach, the profits decreased by more than 40% in the last quarter due to this event.

  • Hampers Productivity

Data breach not just hampers the reputation of an organization but also has other major consequences. It also leads to a reduction in productivity as it disrupts the whole process and systems in place that effectively integrate everything. Addressing and resolving the breach issue takes a little time but making things normally takes more than that and this causes a chain reaction of reduced productivity which adds to further losses for a business.

Keen To Develop A Solution That Will Predict User’s Online Training? Imarticus Could Help You Develop The Right Expertise

Posted on by Imarticus

Online user behavior is something e-commerce and target marketing has been relying on. What helps them predict online user behavior is machine learning and Artificial Intelligence.

The user interest and the pertaining trend help the business and marketing team to anticipate the changes and take the necessary steps for improvement. This change is a trendsetter that has urged many other fields to use the same mechanisms to study its users.

data analytics and artificial intelligence courses in IndiaEver since the online training process gained popularity finding out what the users’ needs became crucial to set up the right kind of courses and setting up the ideal curriculum to nourish their careers.

Predicting user’s online training

Getting the correct feedback on the online learning process is significant to know about what the users are interested in. It helps refine the curriculum and also helps introduce more useful courses to increase the chances of a better career.

Predicting a user’s online training interest requires some specific expertise but it doesn’t involve a single field of study. It requires a collection of subjects that are part of data science. In order to be an expert in predicting user interests, these are the fields of technology that one must master.

  • Artificial Intelligence: User prediction using AI is done through developing models and algorithms that provide a predictive outcome. It is also one of the primary objectives of this technology.
  • Machine Learning: ML is the branch of AI that helps with the computational part or where the machines are made intelligent to work like human brains. BY processing the machines one can help find the relevant data to create a reliable predictive analysis to find out the user interest.
  • Deep Learning is that part of AI that functions as human brains where it recognizes speech, language, objects, etc and that also helps in decision making. Using these factors creates a prediction model that has near-accurate validity. In fact, it is one of the most popular careers at the moment.
  • Natural Language Processor NLP is using technology to understand the common and natural language used by humans. It involves compiling data and processing it appropriately through mathematical, linguistic, or statistical methods. It is just a collective term for multiple steps. Moreover, it uses most of the above mentioned technologies as well.
  • Computer Vision is another branch that works on perspective analysis using videos and images. They help with replicating the visual system in humans and automate the tasks accordingly.

How Imarticus helps?

Imarticus offers various courses in Artificial Intelligence that includes Deep Learning, Machine Learning, Natural Language Process, Computer Vision, etc in the curriculum. It makes a foundation for predictive analytics. The course duration ranges from 2-8 months depending upon the user’s choice. Both online and classroom options are available for most courses.

Analytics and Artificial Intelligence coursesAnalytics and Artificial Intelligence Courses in India are open to both freshers and working professionals. They can select the relevant option when opting for the course. The courses are termed PG-courses and Pro-Degree courses respectively.

Keeping in mind the time constraints for the professionals, the pro degree courses may be completed in a shorter span of time.

Not only do they provide quality courses but also provide opportunities to work with giants such as IBM and others. Both types of courses have this partnership option for hands-on experience.

Analytics and Artificial Intelligence courses in IndiaSuch hands-on courses enable the users to polish their knowledge and make them borderline experts in their respective fields, even for an entry-level.

Conclusion

The learning process at Imarticus includes a program mentor who gives proper guidance and support for the academics. Moreover, the placement assistance at the end of the course increases the prospects of landing the right job.

How Has Fintech Transformed Finance?

Posted on by Imarticus

What is Fintech?

In today’s world of modern advancements, technology has paved its way to reach out to the most fundamental aspect of any industry that is finance. The clubbing of technology with finance aims to modify the traditional ways of providing financial services. This idea has recently come to the forefront which has challenged the classic methods of financial services across the globe.

Fintech has brought about some notable changes in fields like investment, banking, trading, and insurance as of now. It has transformed the very essence of traditional ways of doing these things.

 Impact of fintech on finance

So far, fintech has been able to grip some of the major areas of financial services which have turned out to be in the favor of the users. Some of the impacts of fintech on finance are discussed in the following points.

  1. Banking

Unlike the traditional banking methods, where people used to visit the banks even to check their account balance, fintech has facilitated the users by providing almost all the banking facilities online.

best Fintech courses in IndiaApart from the existing banks, fintech training has made available ample other banking solutions for the users which work more efficiently and provide better services as compared to the classic banking structure.

  1. Investment

It is only just a few years ago, that investment was considered a choice fit for the rich class only. With everything at your fingertips, from small to huge investment options available through fintech, anyone can invest online according to their budget. Nowadays, investment in e-commerce has turned out to be a popular option for many investors.

  1. Small Entrepreneurs

Fintech has proven to be the most beneficial sector for the betterment of small entrepreneurs who were struggling hard to make their place in the market. From securing loans to managing the payments, everything has been eased through fintech. The development of various secured payment portals like PayPal has brought down the transaction costs for both the buyer and seller.

  1. Currency

With the advent of technology, the usage of digital currency has surpassed the usage of currency notes. Considering the current trends, it can be anticipated that soon the concept of physical currency may become outdated and digital currency will be the only mode of payment.

In present times of global pandemic, many companies and organizations have stopped transacting in physical currency. This twin motive of containing the virus spread along with the emphasis on the digital currency has been working out pretty well.

 Overview

Considering the current status of fintech, it can be apprehended that this amalgamation is truly functioning in the best interest of the users. With financial services being provided online, the world has become a global hub. This collaboration of both finance and technology can be marked as a milestone in the process of formulating a world that knows no boundaries.

For a stable fintech career, there are a variety of options if you want to take up the best fintech course in India available at Imarticus. Students of this course will also be assisted for the placement in renowned companies from all over the globe.

Why Do You Need To Have A Product Manager?

Posted on by Imarticus

Companies function to serve their customers either through their services or products.  A product manager holds a supreme position in an organization as every activity revolves around his efforts in formulating an offering. A product manager is the one who is responsible for all the elements related to the product.

What does a  product manager do? 

A product manager is in charge of all the activities taking place concerning the product. This specific position holds accountability for activities ranging from when, why, and what product has to be manufactured.

A product manager takes the following decisions:

  • Planning the product
  • Planning the whole product range
  • Forecasting the future trends of the product in the market
  • Deciding about the promotional activities

Many other decisions like pricing, designing, sampling, etc. may be done by specific departments but all the decisions are taken after considering the opinions of the product manager.

Why is a product manager required in a company?

The following points highlight the role of a product manager in a company.

  1. Synchronized Functioning

In any organization, whether big or small, coordination among employees is a key feature that aids the successful implementation of working policies. In the presence of a product manager, all the departments of the company can come together and function under the leadership of the product manager. All the employees associated with the development of that particular product would be aware of the person they are accountable to.

This escalates positivity and provides a streamlined way of functioning towards achieving a goal.

  1. Immediate Action

The saying, ‘too many cooks spoil the broth’ can be justified if a lot of people get involved in product planning and product management. Coordination among all the product managers may become a challenge. Selecting through all the ideas provided by different product managers may consume a lot of time.

Having a single mind on something can turn out to be the best and quickest way of doing something.

  1. Easy Management with the Board

It is comparatively more convenient and easy to manage with the board of directors by a single person who has proper knowledge about the whereabouts of the product. If every departmental head provides the regular status of his department to the board, receiving so many details from different people may become chaotic and hard to manage.

In case of any changes made by the board in the product, it can easily be communicated to the product manager who can further disseminate the information as it deems fit to him.

  1. Simultaneous Multi-Functioning

If a single person is made responsible for a particular product, the development of more than one product can become easy and convenient. To quote it as an example, five different product managers can deal with five different products at the same time using the same resources in the company. This can rule out the confusion and duplication of work as every product manager will just focus on getting his work done efficiently.

  1. Problem Analysis

When only a single person is involved with a product, it becomes easy to find out the problems in case they arise. Every action related to the product passes through the product manager and in case there are any loopholes in the processes, necessary improvements by the product manager can help to eradicate the issues. This way a timely action can be taken to solve any problem. The product manager can undergo product management training for a detailed insight into the position.

Product Manager CoursesAlong with that, graduates aspiring to work as product managers in renowned companies can take up a product manager course being offered by Imarticus learning.

Check out all the courses and amazing deals by Imarticus on their official website.