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The art of risk management in 2022

Posted on by Imarticus Learning

The art of risk management in 2022

Introduction

We are always taught to save a certain amount every month to deal with unforeseen situations like health ailments, unfortunate incidents, or job loss. Similarly, banks, corporates, and other organizations need a plan to prepare them to deal with the situation arising due to the volatile market. Here comes the need for a professional risk management expert who can help organizations prepare in advance.

With changing times, several new courses have been introduced, and risk management is one of them. A professionally trained risk management expert is a person who can assess the rapidly changing and volatile market, identify the probable risks, and control threats to an organization’s capital and earnings. 

Risk management

  • The process of risk management helps organizations predict emerging threats, understand the implications, and devise a strategy to avoid or minimize their repercussions.
  • Risk management emerged as a new area of knowledge more than two decades ago, causing profound changes worldwide. It has become essential in today’s volatile economy. 
  • Financial risk management is one of the most sought-after skillsets to have not only for the financial services industry but for other sectors as well. Having knowledge of risk management increases your chances of earning well.
  • Fuelled by the complexity of financial products, increased regulation, and recent notable failures, the risk management profession has seen considerable growth over the past 15 years. 
  • Risk management is not an easy job: it needs specialized skills and expertise.

Job opportunities

  • Like other careers, having an advanced degree and certification in risk management escalates your chances to have a sound career opportunity in the financial risk management sector.
  • Candidates with a professional degree in financial risk management (FRM) can hope to have promising job opportunities as chief risk officer, senior risk analyst, head of operational risk, and director, investment risk management, to name a few.
  • FRM training is essential for you if you plan to get into risk management.

Need for risk management experts

  • Primarily, risk management has been associated with the banking, finance, and insurance sector (BFI). 
  • However, the global COVID-19 pandemic, the financial crisis, and the failures of several corporates have called for the need to have risk management experts in almost every sector who can evaluate and address potential risks across the enterprise, rather than in just the financial parts of the company. 
  • This has opened doors to various job opportunities for graduates with a professional degree in risk management.

Risk Management in Banking

  • It is difficult for anyone to predict or sense future challenges in any sector. Banking, in particular, has a cascading impact across industries. 
  • Thus, the requirement for risk management is inevitable for the banking sector compared to other sectors. 
  • With the expertise of risk management professionals, banks can initiate some initiatives now to deliver short-term results while preparing for the coming changes. 
  • By preparing in advance, banks will be able to avoid risk functions created by unforeseen situations.

Risk Management courses

  • Given the rising demand for experts in various industries, several institutions, including Edtech platforms such as Imarticus Learning, a technology-driven educational institute, have started offering professional courses in risk management.
  • The availability of courses in online mode offers an opportunity for people from anywhere to opt for this course at their convenience. 
  • Undergraduate and postgraduate students can simultaneously pursue such courses. It helps them save time and get into the professional world. 
  • Working professionals can also opt for risk management to improve their employability in various capacities depending on their skillsets.

Investment banking course with placement

In addition to risk management, Imarticus Learning also offers Certified Investment Banking Operations Professional (CIBOP). The duration of the course is 180 hours and equips you with the skillsets required to begin a career in investment banking operations, treasury, and clearing services. Placement is also taken care of by the institute.

Blockchain innovation and the top-notch certifications to look out for in 2022

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Blockchain innovation and the top-notch certifications to look out for in 2022

Blockchain is creating a dent in the world of business. It has disrupted the way we conduct business, the way we interact, and the way we transact. Over the last decade or so, blockchain has acquired quite an immutable status. 

If you look closely at the FinTech sector, you will notice a plethora of applications of blockchain. In fact, blockchain innovations are revolutionizing the service industry so much that a microcosm of fintech apps has leveraged this technology in its design and development. Understanding this technology, therefore, is a crucial part of working in the FinTech sector. It has become an integral module in some of the best FinTech courses in India. 

In this blog post, we will discuss the blockchain innovations you should be up-to-date on and the Blockchain certification that can help bring you up to speed. 

Why should you know about Blockchain innovations?

Hands-on, up-to-date knowledge about blockchain is an asset in today’s world, especially if you’re considering working in the financial sector. Any kind of digital work in FinTech will involve blockchain technology. If you understand how it works, you will be able to add value to the user experience as well as think of innovative applications of the concept. 

In short, knowledge of blockchain gives you a competitive edge as a candidate or a technology worker. 

Why do you need a Blockchain Certification?

Sure, working in the FinTech industry is lucrative: the FinTech market is estimated to be valued at $1.3 Tn by 2025 and is expected to grow annually at 31%. This figure encompasses almost 2,000 startups, of which 17 are unicorns. With this tremendous growth comes the need for specialized skill-sets in human resources. This is where your blockchain knowledge can give you an upper hand over others. 

Roles in the FinTech sector can vary widely, but you will start with a fundamental understanding of how blockchain works. Where can you acquire this knowledge? A blockchain certification will help you bridge the knowledge and/or skills gap. 

A blockchain certification will start with an introductory understanding of the technology and related concepts. From there, it will expand your comprehension of the technology application in the sector. 

Upon completing one of the best FinTech courses in India, you will be able to answer questions such as: How has blockchain technology made cryptocurrencies a reality? How has this technology transformed lending, security, consumerism, business models, and digital property landscapes? What makes blockchain successful, and how can we improve our products and services by leveraging this technology?

Certain blockchain certifications will involve a more specialized approach aimed at developers and cloud architects who work on the technical side of things.

No matter what profession or department you work in, blockchain certification can reap benefits like higher salaries relative to non-blockchain roles. It will give you a competitive edge and help your business or organization gain a first-mover advantage in adopting blockchain technologies. 

What makes a good Blockchain certification in 2022?

You will find that the best FinTech courses in India impart more than just foundational knowledge about blockchain. They share practical implementation and actionable insights on how you can use this knowledge in real-world business situations. After all, in the end, that’s what matters: how effectively can you address business conundrums through your expanded knowledge base.

One such course is the Professional Certification In FinTech, provided by Imarticus Learning in partnership with SP Jain School of Global Management. It combines the best of both worlds: hands-on training on intuitive and smart platforms, as well as training from FinTech leaders. Everything you wish to learn about Cloud Computing will just be a few steps away.

In the end, you will be handed a real-life business simulation for assessment of your decision-making, problem-solving, and critical thinking skills. 

If you are keen on upskilling, you can enroll or discuss it with a counselor before applying for the course. You can also visit one of our centers in your city for more information. 

Learn Python Online: Things that non-programmers must know

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Learn Python Online: Things that non-programmers must know

The developer of Python, Guido V Rossum, created it as a hobby project back in 1989. Today, Python has become one of the few official programming languages of Google due to its ease of use paired with efficiency. Python won the position of most popular programming language in 2020, as put forward by a joint survey of Google Trends and GitHub. In terms of programming language usage by global developers, Python has secured the third position in 2021, following JavaScript and HTML/CSS. Are you a non-programmer? Then Python can be your ideal starting point. And, here are a few things that you should know about this programming language.

Python: What is it?

It is an object-oriented, high-level programming language. It is a general-purpose, interactive programming language, the name of which is based on Rossum’s favorite TV series, “Monty Python’s Flying Circus.” The language is known for its versatility and simplicity, making it ideal for beginners and non-programmers.

What are the features of Python? 

Do you want to learn Python? Here are a few features to know about.

It can be integrated: 

Python can be integrated with an array of programming languages like C, C++, and Java.

Python is interpreted, and interactive:

Python can be processed by interpreters while they run it and a learner does not need to compile the program before execution. It is interactive because you can interact with the interpreter directly.

It is object-oriented:

Python is an object-oriented programming language and has code reusability. Designing an application with Python is easier with minimal coding.

Ideal beginner’s language

Python is characterized by the simplicity of structure, clear-cut syntaxes, and less number of keywords, thus making it simple to learn for any non-programmer. Furthermore, it is an open-source software freely accessible to all.

Why learn Python?

Tons of career opportunities:

The popularity of Python has contributed to the rising demand for Python programmers. Certification in data analytics can promise you an array of career choices.

Active community:

Program learning is not a solo sport. A massive community for providing the required learning support is vital to proper learning. Python has a considerable community backup which helps non-programmers in their learning.

Highly versatile:

It is a highly adaptable programming language that is used in multiple fields like web development, data science, software designing, and gaming. Python’s versatility is further enhanced by its ability to sync with a variety of other programming languages. Thus, it is a ‘cross-platform’ language.

Which fields use Python?

Python’s simplicity and ease of use have granted it access to a variety of fields like:

  • Web applications
  • 3D CAD-based applications
  • Software development
  • Auditory applications
  • Machine learning
  • Visual applications
  • Artificial intelligence

 Tips to keep in mind

Now that you know what Python is and what its features are, here are a few tips to keep in mind before opting for certification in data analytics:

  • Being consistent in code-making always helps to learn better. Are you making mistakes in coding? They are the stepping stones to your proper learning. So, code every day!
  • An interactive Python shell can be your ideal learning tool.
  • Opt for the pair programming technique, where you will pair with another developer. This way, you both will switch between writing codes and reviewing and problem-solving. Now, you can learn both sides of Python.
  • Opt for data analytics certification courses online, which can offer you the best possible resource to learn Python faster.

Conclusion

Are you looking for data analytics certification courses online? If yes, then you must check out the one offered by Imarticus Learning. With a fully online learning mode, this course is ideal for future data science experts and is backed by case studies, real-life business projects, and mentorship sessions.

Beyond The Hype: Learn Computer Vision

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Beyond The Hype: Learn Computer Vision

Computer Vision is a subfield of artificial intelligence. One day it’ll be our go-to method for identifying objects and faces in the world around us—one way or another, if you’ve ever tried Google Photos’ facial recognition feature, it’s where computer vision work. It uses mathematical models to identify people’s faces in images (and tag them automatically). This blog post will explain what computer vision is and why you should learn it.

Why should you learn computer vision?`

It’s a highly sought-after skill, and it’s easy to understand because computer vision is a practical skill that you can use in real life. Not only that, but it’s also an interesting subject matter with lots of potential for growth and development. 

Some apps already use computer vision we use every day—like Snapchat filters, which use face-tracking technology to make you look like a cat or dog when taking photos with friends.

What is the application of computer vision?

You can use computer vision in countless applications, including:

  • Image recognition involves the ability to identify objects or scenes within an image, as well as the ability to track things over time. In the coming years, you could use these technologies in retail stores where customers can scan their items at a self-checkout station and then be billed immediately by their mobile phones—no need for cashiers!

  • Image classification involves categorizing images into different groups according to what they depict (e.g., dog vs. cat) or what part of the human body they represent (e.g., face vs. hand). For example, Amazon uses image classification algorithms on its website to automatically understand which products are shown in each image so that when you search for something similar online. It can give you suggestions based on previous searches made by other customers who clicked through from Google Images links before coming back later with those same results still ready for consumption! 

It also helps retailers build better recommendation engines based on user feedback after making purchases or browsing various pages on eCommerce sites like Amazon’s own interface. But these systems aren’t perfect yet because they require millions upon millions of training data points before making accurate predictions about new ones that may contain unusual patterns not seen before. 

How can you start learning computer vision as a beginner?

There are many resources for learning about computer vision. The best way to start is by understanding the basics of computer vision and then learning about the different algorithms used in computer vision. You can also learn how these algorithms work.

You can use many resources to learn more about computer vision, including books and online courses.

Learn AI and Machine Learning courses with Imarticus Learning.

This deep learning Artificial Intelligence credential brings together the E & ICT Academy, IIT Guwahati, and the most prominent industry specialists. This AI course will help students prepare for careers as data scientists, data analysts, machine learning engineers, and AI engineers.

Course Benefits For Learners:

  • Students can now participate in 25 real-world projects to get industry experience and prepare themselves for a fascinating future in data science.
  • Impress employers and demonstrate your talents with an E & ICT Academy, IIT Guwahati, and an Imarticus Learning-endorsed certificate.
  • This IIT artificial intelligence course will help students land lucrative jobs in the disciplines of artificial intelligence and machine learning. 

Contact us through chat support, or drive to our training centers in Mumbai, Thane, Pune, Chennai, Bengaluru, Delhi, and Gurgaon. 

Technical Analysis Of The Financial Markets In 2022

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Technical Analysis Of The Financial Markets In 2022

Finance experts are keeping a keen eye on the global financial market. It is needless to say that after COVID-19, the whole financial market has been impacted in some way or the other. Also, financial investors and analysts opine that financial markets will experience a bumpy ride in 2022. 

The Omicron variant of Coronavirus is responsible for soaring inflationary pressure, disruption of international supply chains, and rising interest rates. Economic growth is at an all-time low in all sectors. Adding to the woes, price pressures are intensifying in significantly stretched supply chains. Financial valuation and modeling are all going haywire as analysts are not able to gauge the coming future.

There is hope that the pandemic will ease somewhat in 2022. If that does not happen, there are high chances that the central banks will raise interest rates. They might also try and cut back on their multi-trillion-dollar bond-purchasing stimulus programs for reining the inflation. 

Financial Markets In 2022

As per anticipations from the US Federal Reserve, there are high chances of increasing borrowing costs by almost three times in 2022. This will lead to market spooking and disrupt the recovery process, which is quite slow in 2022. 

Eminent analysts said at the Japanese bank Nomura that central banks are already feeling the heat due to high inflation. By the end of 2022, the backdrop will be very different. Stagnation will pose a bigger risk than stagflation. 

A senior income strategist at a renowned bank agreed to the fact that 2022 would be a choppy year for the market as a whole. It is expected that global financial conditions will become tighter. Further, there has been a substantial rise in Fed and US rates. The result is triggering volatility in markets. 

The bond market is also under the scanner. Days are not far when this market will face a day of reckoning, until and unless monetary policies never normalize. Government bonds that are long-dated will face the ire most. Experts offering financial planning and analysis recommend bond investors look for shorter-dated bonds for protecting themselves. They also advise looking for strategic funds and higher-yielding markets, which come with a flexible approach. 

It is expected that The Bank of England will increase its interest rates in 2022. The increase will be almost two or three times. The bank also lifted its primary interest rate to 0.25% at the meeting in December. Even then, the concerns regarding Omicron were pretty high. In 2022, investors should be mentally prepared for more volatility. 

The picture of Europe and Asia is also pretty grim. There has been a huge surge in energy prices on both continents. This has driven inflation higher in 2022. After easing down lockdown measures in these continents, there was a massive gap in demand and supply. It became really difficult to meet the demands of consumers with limited supplies. 

Many advanced economies in Asia and Europe faced this brunt post lockdown situation. High rates of inflation are expected to stay, but probably for short periods. By the end of this year, the rates are expected to drop. 

An eminent market strategist pointed out that investors had not taken the winter energy crisis seriously and now this is driving up bills. Not only this, it is compelling many factories to suspend work. Europe stands highly vulnerable to this crisis. Meanwhile, China is facing industrial dislocation and power outages which might lead to a new supply chain chaos. 

As per insights from an experienced portfolio manager, low-profitability but high-growth tech stocks might not fare well in a world of ever-rising interest rates and high inflation. 

China is the world’s second-largest economy and its weak growth means pulling commodity prices down. As per predictions from Oxford Economics, iron ore prices will be below the current level prices by the end of 2022. 

Higher vaccination rates, particularly in emerging market countries, bring some hope for reopening trade. Port and factory closures will also be minimized. 

To top it all off, you cannot ignore the geopolitical turmoil that is taking place in different countries of the world. Elections in the U.S. and France, the war between Ukraine and Russia, and the turmoil in Sri Lanka – all are contributing to the bumps in financial markets in 2022. 

Conclusion

Though financial markets are going through a really tough time, we need to keep our hopes high. Our financial experts and analysts are keeping an eye on the whole matter and providing us with helpful insights so that we can plan our investments better. 

If you understand financial analysis or investment banking operations, then you will understand these trends and situations better. Join courses and programs at Imarticus Learning if you want to know how to become an investment banker or a financial analyst. 

5 structured finance training strategies that can help your business make accurate financial projections

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5 structured finance training strategies that can help your business make accurate financial projections

Making accurate financial projections is essential for any business. If you want to succeed, you need to plan for the future and make informed decisions based on data. This blog post will discuss five structured finance training strategies to help your business make accurate financial projections. By following these strategies, you can enhance your forecasting skills and make sound financial decisions for your company!

Here are five structured finance training strategies that can help your business make accurate financial projections:

Tip #01: Use a Forecasting Tool

The first step to making accurate financial projections is to use a forecasting tool. Many different software programs and online tools can help you with this task. By using a forecasting tool, you will be able to input your data and generate realistic predictions for your business.

Tip #02: Understand Your Data

It is essential to understand your data to make your projections. It would be best if you took the time to learn about financial concepts and terms to interpret your information correctly. Additionally, you should clean and organize your data to work efficiently.

Tip #03: Make Assumptions

When making financial projections, you will need to make assumptions about the future. For example, you may need to estimate the inflation rate or your industry’s growth. It is essential to be realistic when making these assumptions so that your projections are accurate.

Tip #04: Use Sensitivity Analysis

Sensitivity analysis is a technique that can help you understand how your projections will change if your assumptions are different. It is a valuable tool to use when making financial projections because it can help you identify risks and opportunities for your business.

Tip #05: Review Your Projections

Once you have made your financial projections, it is essential to review them periodically. This will help you identify any errors or changes that need to get done. Additionally, reviewing your forecasts can help you fine-tune your forecasting skills to make even more accurate predictions in the future!

By following these tips, you will improve your forecasting skills and make sound financial decisions for your company. Making accurate financial projections is essential for any business, so be sure to use these strategies when planning for the future of your business!

Discover a diploma in finance management with Imarticus Learning

Our capital market certificate course will provide the student with a solid understanding of investment banking, capital markets, risk management, and fintech. IIM Lucknow’s finest business school has developed this six-month intensive program. Experienced middle managers wanting to reignite their financial service professions may benefit from this training.

Course Benefits for Learners:

  • Learners will have the opportunity to meet and interact with their classmates and industry experts as part of this equity research course.
  • With a curriculum that emphasizes results and a pragmatic learning style, you’ll be well on your way to mastering the material. Students will learn core subjects in this course, including investment banking, capital markets, risk, and fintech.
  • A capital markets certificate covers all of the information students need to know about the financial sector and its functions.

Moving beyond handcrafted architectures in supervised learning

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Moving beyond handcrafted architectures in supervised learning

There was a time when handcrafted architectures were the norm in supervised learning. But those days are behind us now, and we are moving towards more automated methods. This blog will discuss why handcrafting is no longer the best approach for supervised learning tasks.

What is a handcrafted architecture in supervised learning, and why is it used?

A handcrafted architecture is a predefined structure used to guide the learning process in supervised learning. It simplifies the learning process and improves generalization. While handcrafted architectures are effective, they can also be limiting.

Recent advances have led to the development of more flexible and powerful architectures that can be learned automatically from data. These architectures are often more effective than handcrafted ones, as they can learn to exploit the regularities in data that are most relevant for the task at hand.

Some of the reasons why handcrafting are no longer the best approach for the supervised learning task.

  • One reason is that handcrafted features are often low-level and do not capture high-level abstractions necessary for many tasks. 
  • Another reason is that the handcrafted feature space is often limited and does not allow for the use of more powerful learning models such as deep neural networks. 
  • Finally, handcrafted architectures are often designed for a specific task and do not generalize well to other tasks. 

Thus, it is clear that handcrafted features and architectures are no longer the best approaches for supervised learning tasks.

How does the move to artificial intelligence impact supervised learning?

There has been a shift away from traditionally handcrafted architectures in supervised learning towards more automated machine learning approaches in recent years. It is the increasing availability of data and computing power that has allowed for the development of more complex models.

There are numerous benefits to using machine learning for supervised learning tasks. Machine learning models can automatically learn features from data, improving performance. In addition, machine learning models are often more robust to changes in data than handcrafted architectures.

There has been a significant shift in building supervised learning models in the past decade. We’ve moved from primarily using handcrafted architectures to a more data-driven approach. It is mainly due to the success of deep learning in various tasks such as image classification, object detection, and natural language processing.

However, deep learning is not the only machine learning approach to achieving state-of-the-art results. Many other methods, such as support vector machines, decision trees, and random forests, can also be very effective. AIML is a course that will teach you about these other methods and how to apply them to different tasks.

Discover AI and Machine Learning courses by Imarticus Learning

The E & ICT Academy, IIT Guwahati, and the most significant industry experts come together in this Artificial Intelligence and Machine Learning certificate. This artificial intelligence course will assist students in preparing for data scientists, data analysts, machine learning engineers, and AI engineers.

Course Benefits for Learners:

  • Prepare for a fascinating career in data science by completing 25 real-world projects that give you industry expertise.
  •  Impress employers and display your skills with an E & ICT Academy, IIT Guwahati, and an Imarticus Learning-endorsed certificate.
  •  This machine learning and artificial intelligence course will assist students in seizing lucrative job possibilities in the hot fields of artificial intelligence and machine learning.

The impact of digital banking on institutional investment banking

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The impact of digital banking on institutional investment banking

The digital revolution is bringing about a transformational change in the world and investment banking is no different. Until a decade ago, an institutional investment banking firm was expected to be the only place where substantial research on markets and investment opportunities was available. Those seeking investors had to rely almost completely on investment banking firms for identifying and approaching investors.

Technology has dramatically changed the skill sets that an institutional investment banking firm is expected to have. By extension, this also means that the professionals working in this segment have to upskill themselves. Therefore, in order to be successful in your investment banking career, consider the following skills and upgradations.

Digital re-orientation in institutional investment banking

The executive working at an investment banking firm can empower himself by training himself to bring more resources to the job. For example, if you are working on a mandate to find an investor for a domestic company, you can showcase endless possibilities to your client by identifying investors in India as well as other countries.

This would definitely showcase the value to a client who would have a limited list of prospective investors already with him. The IPO cycle has also changed, and companies list faster, as well as go for listing abroad. In such a scenario, the expertise of institutional investment banking is still needed but the scope of work has changed. 

Relearning investment banking for the technology era

While it is possible to sporadically improve performance at the job by adopting oneself to video meetings, using information websites more often, and using investor portals suggested by colleagues, this mode of learning can be slow. What can bring confidence to you, is going through a well-researched curriculum that is developed to be relevant in the era of digital banking.

This means that those who undertake the course systematically study the new players that have emerged, the evolving range of investment banking services, managing global regulatory framework related to finance, automation, data science for financial professionals, aggregating platforms, and more. An intensive course should also include industry engagement. 

A key factor to bear in mind is to go for a learning course that has proven itself in the area of investment banking courses with placements. Also, an investment banking career is shaped by recognized certifications so that the market readily accepts the value you bring. 

Conclusion

An investment in learning will definitely impact the outcomes at your job. This is more so for investment bankers as they thrive on ideas. With lessons on digital transformation, disruptive platforms, automation, data science, analytics, and global finance, there is a possibility to unleash a thought leader in you. By going through a course, a working executive enjoys the advantage of educating himself about almost every change that is happening in their industry. Learning the fundamentals of how technology and digital banking function, can create both short-term and long-term advantages for all the participants. 

Imarticus Learning offers a course that has proven to be effective because of a successful placement record, and certifications, and you also get a chance to learn the fundamentals of not only digital transformation but also understand everything you need to know to have a successful investment banking career.

Learn more details about the course by contacting our chat support or driving to one of our centers in Mumbai, Thane, Pune, Chennai, Bengaluru, Delhi, and Gurgaon. 

Talent Acquisition And Development For Credit Analyst Course In 2022

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Talent Acquisition And Development For Credit Analyst Course In 2022

Do you aspire to be a credit professional? Are you on the lookout for a course that will equip you with the necessary skills to be one? To put it simply, through a Credit Risk Analyst Course, a learner can acquire the skills required to perform due diligence in terms of assessing if a particular borrower or debt issuer has creditworthiness.

It encompasses a broad range of topics, including credit modeling, consumer credit, credit derivatives, credit portfolio risk management, etc. As a learner, you can get exposure to analytical tools and techniques crucial to evaluating if a borrower can generate enough cash flows to meet debt obligations.

Individuals aspiring for a dynamic and aggressive career in commercial banking, credit rating, private lending, insurance, corporate credit, etc., can benefit immensely from a Credit Risk Analyst Course.

Talent Acquisition for Credit Analyst Course

credit risk analyst courseCredit Risk Analysis is primarily a number-crunching job that needs a strong foundation in finance. If you’re keen to pursue a Credit Analyst Course, you should have a Bachelor’s Degree in finance, accounting, or other related fields such as ratio analysis, statistics, economics, calculus, financial statement analysis, and risk assessment.

These subjects aid risk management, making them crucial for a Credit Analyst Certification Course. Some potential employers may also give preference to candidates with an MBA, Credit Business Associate certification, or a Chartered Financial Analyst designation. While a financial background is certainly a plus point, some employers also choose to hire college graduates and train them on the job.

The Credit Analyst Training has educational subjects in the course such as industry and ratio analysis. This is because assessing the environment of a company is one of the critical components of assessing its risk. Candidates can also go for a Postgraduate diploma in banking and finance to gain deeper insight into the professional as well as practical knowledge of these sectors.

What to Look for in a Credit Analyst

An individual foraying into the field of credit analysis should have the following qualities:

  1. Ability to handle very high responsibilities in their job.
  2. Ability to assimilate a set of numbers and identify their implications for any specific client.
  3. Ability to effectively disseminate decisions to a wide group of people, be it orally or in print. Coming up with a solution to a problem makes little difference if it is not effectively communicated to others.
  4. Multitask ability to handle multiple projects simultaneously and prioritize projects efficiently.
  5. Basic knowledge of software usages like Microsoft Excel and other software that helps analyze numerical data.
  6. Fluency in English, besides strong oral and written communication skills. The candidate should also have a sharp sense of ethics and analytical and organizational skills.

Career paths of a Credit Analyst

Doing a Credit Risk Analyst Course opens a plethora of career opportunities, as a wide spectrum of businesses needs credit analysts. Be it banks, credit rating agencies, auto manufacturers, retail store chains, or even utilities and energy companies, any business that extends credit to its customers will recruit credit analysts to execute this job seamlessly.

The Credit Analyst Certification Course also helps you foray into lucrative careers like an investment banker, portfolio manager, or loan and trust manager.

If you’re on the lookout for top-notch credit analyst training that follows a strictly professional approach, Imarticus is the best bet. As providers of some industry-leading courses, we promise to hone skills that will give you an edge across industries such as financial services, analytics, AI, business analysis, and core technology.

Being a technology-driven educational institute, we leave no stones unturned to upskill individuals as per the demand of the times. You can drive to any of our training centers in Mumbai, Thane, Pune, Chennai, Bengaluru, Delhi, or Gurgaon, for more information.

Don’t Forget This While Planning Your Taxes

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Don’t Forget This While Planning Your Taxes

Planning your taxes can be a tedious task, but it is important. If you can strategically plan your taxes, you can claim the right deductions and exemptions, which will give you a clear picture of the taxes paid during the year and the amount one can get in a refund in the ITR (income tax return) one needs to file every year.

Step 1

First, ascertain the upcoming payments, expenditures, policy renewals, etc. 

Step 2

Make a rough sheet that mentions all these expenditures and payments with approximate funds allocated to them.

Step 3

Ascertain which expenditures you can claim exemption or deduction.  A quick guide for you to understand these deductions and exemptions is as follows. 

The most famous deduction in an ITR is the 80C deduction, where one can claim a deduction in PPF (Public Provident Fund), NSC (National Saving Certificate), Life insurance or ULIP premium, ELSS (Equity linked saving scheme), Sukanya Samriddhi Yojana (SSY), Senior Citizen Savings Scheme (SCSS), Post office deposit or even a Fixed deposit with the maturity of 5 years. One can even claim exemption on the education fees of their children (but for not more than two children)

The other exemptions are as follows –

Health Insurance Premium: 

An INR 15,000 annual deduction is allowed for self, spouse, and dependent children. A further INR 15,000 is permitted for parents (maximum 40,000).

House Rent Allowance (HRA): 

If you rent an apartment, you may be eligible for this benefit. Established guidelines determine the amount deductible. Please keep in mind that the rent agreement and rent receipts must be submitted.

Individuals considering purchasing a home should consider taking out a home loan. Section 24 allows you to deduct interest payments up to Rs 150,000 per year.

Medical reimbursement: 

Medical treatment expenses of up to INR 15,000 can be claimed as a salary deduction under section 17 each year (2). Actual bills must be printed.

Disclose your sell

One should always disclose the mutual funds, shares or gold purchased or sold in the financial year and the realized gain or loss on the same, known as LTCG or STCG, which is long-term capital gain and short-term capital gain.

Having smart decisions while making these deductions and claiming the right exemptions will save a lot of taxes and get the right refund, which can be used on major expenses.

Since many people are confused about this tax terminology, there is a huge demand for tax consultants in the market, and many people choose to pursue their careers in the same field. The best courses for tax consultants or financial planners are Banking and Finance Course, Banking and Finance Online Training, and Postgraduate Program In Banking and Finance. 

These courses are majorly focused on two segments. 

Banking

You can learn all about retail banking Introduction to Banking, Retail Liability Products, Retail Asset Product, NRI Products, Payment Services, Branch Operations, Regulatory Environment, and Trends in Banking. 

Finance

Financial System Overview, Introduction to Investment, Securities Market Overview

Equity as an Asset Class, Investing in Fixed Income Securities, Mutual Funds, Introduction to Tax Planning, Introduction to Personal Financial Planning, Life and General Insurance Products and Positioning.

Honing soft skills becomes easy with Soft Skills Foundation and Campus to Corporate, Cardinals of Communication, Honing Communication, Curating and Perfecting Communication, Corporate and Business Etiquette, Customer Service, Business Writing, Art of Presentation, Sales and Negotiation, Group Discussion Hacks, Personal Grooming, Interview Preparation – HR.

These courses can prepare you for the job of banking professional or finance and tax consultant, which can prove to be beneficial for your career kick-start; these programs even offer career helping tools such as profile enhancement, resume builder, preparation for the interview, etc., which will enhance the opportunities in the market. 

Visit the Imarticus learning website for a proper breakdown of the components and the benefits of the course. Imarticus has numerous client centers in the north, east, west and south regions, including Lucknow, Noida, Mumbai, Delhi, Jaipur, Chennai, Bangalore, Hyderabad, and Kolkata, among other cities. They also have centers in Dubai. The chat centers are open 24×7, so you can chat on Whatsapp and even request a callback. 

Even if one doesn’t want to have a career in finance or banking, these courses help one plan their finances smarter and better. They also provide proper guidance on investment, which will help one make the right choices according to their financial status. Keeping in mind the savings and the debt ratio, one can easily bifurcate the finances and set aside the funds for saving. 

Get a free 1:1 Imarticus counselling
Get a free 1:1 Imarticus counselling