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Finance & Fintech

The Digital Future Of Retail Banking Courses

Posted on by Imarticus Learning

The Digital Future Of Retail Banking Courses

Many industries, including banking and finance, are being impacted by technology. Digitalization and new disruptive technologies are already affecting and transforming all types of consumer and supplier interactions. They are currently influencing business culture by producing, sharing, and leveraging information to help find and develop added value.

In operations, business models, and performance management, structures are essential. Finance is becoming increasingly digital, and the financial services industry recognizes the need for a comprehensive digital transformation.

As the only way to survive in the long run, technological competencies are critical for a successful future in an industry that is constantly changing. The days of managing real money and bonds are long gone since digital is at its core. Using digital technology to master the development and production of novel financial goods and services is crucial.

An overview of retail banking courses

Rather than huge organizations or corporations, individuals get served through retail banking, often known as personal banking or consumer banking. A job in retail banking is one of the most stable and secure in the Banking, Finance, and Insurance industry. Candidates who want to be a banker but don’t know where to begin might benefit from the retail banking course, which provides the required skills to start a profession in no time. 

Several Advantages of enrolling in a retail banking course 

The most significant benefit is receiving a professional qualification from a reputable university. You also have the opportunity to train with them, which allows you to begin a secure and early job and become financially independent.

Second, the various courses provide you with a significant income. A time span of about six months is excellent.

Third, taking a banking course allows you to take on the responsibility of managing your funds at an early age.

Fourth, it is no longer limited to classroom instruction but is now the most effective learning method. With on-the-job training, recent graduates get a taste of office life. Your general foundation gets formed from your genetics and your environment.

Fifth, you may choose banking principles, communications, economic strategy, sales and operations, accounting, financial planning, wealth management, compliance planning, digital delivery channels, etc. All of them equip you with a solid foundation.

Though the banking and financial markets are the focus of the investigation, you will be focusing on building a solid and long-term career path for yourself by taking a banking course. 

Discover a retail banking career with Imarticus Learning

This 300+ hour retail banking online training course will provide you with the domain and soft skills necessary for a successful career in Retail Banking, NBFCs, and FinTech. This is an ensured placement program in which you are responsible for upskilling, completing the course, and earning your certification while we match you with industry possibilities.

Course Benefits For Learners:

  • Our students get placed in entry-level jobs in top banks, NBFCs, FinTech firms, KPOs, and other organizations, with over 8000 learners placed with a 60% pay increase.
  • Learn about retail banking sales and operations tasks such as retail liability and retail asset products, NRI banking products, developments in banking branch operations, and investment products such as mutual funds, insurance, stocks, and fixed income securities.
  • Students will receive a professional certificate in banking and finance, which will add significant value to their resume and assist their career progress.

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

How Investment Banking Jobs are Evolving

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How Investment Banking Jobs are Evolving

The investment banking industry has been through many changes in the past few years. The industry has adapted to stay afloat with the global financial crisis, followed by new regulations and technological advancements. Investment banking jobs are evolving fast. 

New technologies, new rules, and changing customer behaviour is making the world of investment banking different today than it was a few years back.

This blog post looks at how investment banking jobs are evolving and what you can expect to pursue a career in the industry.

The Top High-level Trends

Changing Customer Behaviour is Making a Difference

Investment banks deal with their clients and work on transactions that usually involve different segments of the financial world. That was how it worked in the past, but today’s bank needs to understand what its customers need better than ever before. The old ‘sell, sell and sell’ is no longer effective.

But in 2022, investment bankers will need to go beyond just satisfying the needs of their customers. They will also have to create new customer experiences and develop innovative solutions that cater to changing customer behaviour.

Technology is Revolutionising the Industry

The use of technology has always been a big part of investment banking, but its impact is only getting stronger. In the past, investment bankers would use technology mainly for back-office tasks such as data management and analysis. But now, new technologies are being used to help banks interact with their customers in more innovative ways.

In 2022, we can expect even more technological advancements to revolutionize the industry. Banks will be using artificial intelligence (AI) and machine learning to make better decisions, and they will be using blockchain technology to streamline their processes.

New Regulations are Forcing Changes

The global financial crisis of 2007-2008 led to the enactment of many new regulations aimed at preventing another meltdown. These new regulations have had a significant impact on investment banks. They continue to evolve as governments and regulators try to get ahead of unknown risks that the industry might face.

In 2022, we can expect even more regulatory changes as governments attempt to keep pace with rapidly evolving AI and blockchain technology. Banks have no choice but to adapt by hiring compliance experts who understand these regulations to stay afloat.

In 2022, you can expect investment banking careers to look very different from the way they do today. There will be more technology and new regulations. Still, there will also continue to be a role for human interaction as banks learn how to use these technologies in innovative ways that provide more excellent value and convenience for their customers. If you want a challenging and exciting career in the financial industry, investment banking is a great option.

Discover Investment Banking courses in India with Imarticus Learning

This 180-hour Certified Investment Banking Operations Professional course will comprehensively equip students for a career in investment banking operations, treasury, or clearing services. Learn about complex securities and derivatives, their transaction lifecycles, and the benefits of investment banking.

 Course Benefits for Learners:

  • Students at Imarticus Learning work in most worldwide investment banks with the CIBOP credential authorized by the London Stock Exchange!
  •  Impress employers & showcase skills with investment banking courses with placement assurance recognized by India’s prestigious academic collaborations.
  •  World-Class Academic Professors to learn from discussions and live online sessions

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

5 tips for techies to succeed in a Credit Risk Analyst course

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5 tips for techies to succeed in a Credit Risk Analyst course

Taking a giant shift from a tech-backed career to a commercial and retail career, the credit risk analyst course can be complex for techies to step in. The course and field of study explore in-depth concepts of financial risk analysis of a firm involved in loan financing. The career path deals with financial due diligence, or in simpler terms, runs background checks on customer organizations or individuals to analyze their financial stability, and whether they can return the cash assets. 

A credit risk analyst plays a crucial role in managing the risk factor with a company’s lending program. They guide organizations with ample background checks and forensic analysis and accounting to extend the safest option while maintaining the company’s financial well-being. However, aspiring techies looking to step into the role of credit risk analyst require more than just a credit analyst certification; the right skill set to handle the weighing position. 

If you are a techie looking for a career switch from tech to credit risk analysis, then these five tips are going to help you find your way through the industry.

Build a strong base

Credit risk analyst roles are specifically made for individuals with strong finance, banking, accounting, retail, or insurance industry knowledge. Techies are recommended to pay extra attention to strengthening their base in the relevant field. Gain insights into the financial world as much as you can to understand its basic working. Building a strong base would require a techie to start right from the bottom. It is a challenging step for candidates, but dedication and consistency will lead them to a credit risk analyst position in no time.

Enhance your market knowledge

Staying up-to-date is another aspect of strengthening the financial base. You may not want to spend time learning outdated concepts. Keeping up with the market knowledge simplifies the lengthy course into a more consumable form. Understanding the market helps individuals analyze market risks and priorities. Decision-making becomes easier with the knowledge of industry-specific skills; therefore, helping the company in the long run.

Strong communication and presentation skills

Credit risk analyst roles work extensively around dealing with clients and organizations. From meeting people to assess their requests to make a background check on their credibility before making financial decisions, strong communication skills and the ability to serve complex financial terms in a simplified manner are demanded of a credit risk analyst. 

Basic knowledge of software

This one is the easiest for techies to finesse, but revisiting concepts is always a great idea. Learn different types of software used for dealing with detailed numerical data related to credit risk analysis. Understand its implementation with the job role, and use it to make well-researched conclusions. Start by learning the most basic ones, then proceed towards complicated software.

Analytical and problem-solving skills

Analytical skills and solving problems are effective tools to deal with credit analysis challenges. While working with many companies and their financial documents, you are most likely to face challenges and competition. Analyze and identify market trends, along with available resources to make the most out of them and extend results inclined towards maintaining the company’s financial well-being.

Conclusion

A credit analyst course from reliable sources can fuel your career towards immense growth. Belonging to a tech-backed sector may have you face multiple challenges. Use as many resources as you can before stepping into professional spaces. A credit risk analyst course can be your sure shot way of learning the base of the credit risk analyst role. Other than that, market research, analyzing the economic environment, and owning expertise in the essentials of credit roles can grant you great exposure.

What Is The Cloud-First Strategy In Cloud Computing?

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What Is The Cloud-First Strategy In Cloud Computing?

A cloud-first strategy is a way of building a business that prioritizes cloud computing over on-premises computing. Although the strategy works for any industry, it is most commonly used by companies in the IT sector.

With a cloud-first strategy, a company will either migrate its existing applications to the cloud or build new applications using cloud-based architecture. The company will then move some or all of its data to the cloud and allow employees to use it through their workstations or mobile devices. The goal is to reduce costs, increase efficiency, and improve collaboration between employees and teams.

What to expect from a cloud-first strategy

To implement a successful cloud-first strategy, it’s essential to understand what it means for your business:

  • Choosing flexibility over stability: By moving to the cloud, you may lose some control over how your systems operate and what they do with your data. However, this can be beneficial if you’re looking for more agility in developing software solutions or adapting quickly when new technologies arise.
  • Owning less infrastructure: Moving from on-premise servers and storage systems toward third-party managed services allows businesses to shed much of their IT infrastructure costs while still getting access to powerful tools like analytics software and data integration techniques.

Components of a cloud-first strategy

Cloud-first involves three main components: automation, agility, and cost-effective solutions. 

  • Automation refers to the ability of a company’s systems to work independently from human intervention—for example, when an application automatically updates its database or sends notifications to users when something happens within the system.
  • Agility refers to how quickly companies can react to changes in the market or their business processes.
  • Cost-effective solutions refer to the fact that companies don’t have to spend money on building their own data centers, so they can focus more on developing new products or services instead of maintaining infrastructure.

The impact of a cloud-first strategy

Cloud-first is a strategy that focuses on using the cloud for all of your company’s data storage needs. Instead of keeping your data on your own servers or in your own offices, you’ll be storing it in the cloud and accessing it from wherever you are via an internet connection.

Cloud-first strategies in cloud computing can work well in any industry and with any size business. They’re especially useful for smaller companies that don’t have the resources to keep their own servers running and secure—or even just store all their data offline!

With a cloud-first strategy, you’ll be able to access all of your important documents (no matter where they are) anywhere there’s an internet connection. Even if something happens with one location (like someone stealing your laptop), you won’t lose everything because it is still backed up somewhere else.

How to implement a cloud-first strategy:

  • A company may choose to use only cloud solutions for all new projects. Thus, if an existing app needs updating or upgrading, it would not be done on-premise but rather in the cloud.
  • Alternatively, a company might choose an “as-a-Service” approach, using some cloud solutions while keeping others on-premises. For example, they might use Office 365 while keeping their email system on-premise to control security settings more easily or because they want access to data stored locally instead of in the cloud, which could become unavailable due to server failure.
  • The cloud-first strategy requires an organization to focus on two key areas: adoption and governance. 
    • The adoption phase involves identifying which services will be consumed, how they will be consumed, and when they will be consumed. 
    • The governance phase entails developing policies that dictate how these services can be used by employees within the organization.

In order to implement this strategy successfully, companies must:

  • Identify which applications or services are most important for the company to have access to at all times.
  • Determine what types of data need protection from threats such as malware attacks.
  • Create a plan for transitioning from on-premise solutions (like servers) over time.
  • Move to an infrastructure as a service (IaaS) model.
  • Using automation tools like Puppet or Chef to manage infrastructure.
  • Create self-service portals for users to provision their own resources.

As part of their strategy, companies will need to decide what kind of cloud services they want to use: public or private? Do they want on-site servers or off-site servers? What about hybrid solutions? 

This information will help them determine how much money they need upfront and how much they’ll be able to save over time by using cloud services instead of building from scratch or upgrading existing systems.

Imarticus Learning offers one of the best fintech courses in India that covers blockchain certification and other important topics to help students excel in real-world scenarios. Learn from the best industry experts and get your career on an accelerated path with Imarticus Learning. Connect with our chat support to know more.

How they got there: Transitioning to Investment Banking Operations

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How they got there: Transitioning to Investment Banking Operations

What is Investment Banking?

Investment banking is a section of banking that exclusively deals with capital creation for governments, companies, and any other entity in the position to influence the capital market. Its activities comprise equity securities and underwriting new debt for corporations. It also facilitates mergers and acquisitions, reorganizations, and the sale of securities. The investment broker in this case trades for both private investors and institutions. Professional and skilled investment bankers assist governments and corporations to manage and plan the financial angles of big-budget.

If you are interested in bagging investment banking jobs in the future a few more dimensions of this profession.

Investment banks largely help government bodies and big firms to manage and plan large projects, assist in complex monetary transactions and help pre-empt possible risks associated with the projects thereby saving the time, effort, and money of their clients.  

Role of Investment Banker

Now that you have obtained a brief idea about investment banking, you are probably wondering what the part of an investment banker is after completing an investment banking course?

As mentioned above investment bankers are those crucial individuals who act as the bridge between the investor and the big projects. They are financial experts who need to be in step with current trends in the financial world. Businesses, firms, and governments will turn to an investment banker for solid advice and they will be required to modify their recommendations and game plan to suit the current climate of economic affairs in the macroeconomic world.

The Link Between Rothschild Family and Investment Banking

Rothschild and Co. is an investment bank and financial services provider of a multinational stature. The flagship Rothschild group is under the reins of the British and French branches of the Rothschild family. The banking and financial services firm is over two centuries old and is known to serve the financial needs of the British Royal family.

The Rothschilds come from an influential banking legacy that traces its origins back to Frankfurt. The empire was put together way back in the 18th century by Mayer Amschel Rothschild with his five sons, James, Nathan, Saloman, Carl, and Amschel. The Rothschilds are considered stalwarts when it comes to international finance development with branches in Vienna, London, Naples, and Paris.

They started as a small business family with investments in foreign exchange and trading goods and slowly over the decades grew in stature. They have by now also been an intrinsic part of big projects such as the building of notable tunnels, bridges, and the very famous Suez Canal. Currently, Rothschild’s wealth and influence are distributed among their heirs living in different parts of Europe and their holdings span a plethora of industries ranging from real estate, financial services, energy, mining, and charitable work.

Aside from Rothschild & Co, here is a list of the top investment banking firms worldwide

  • Goldman Sachs

A 150-year-old company with more than $2.5 trillion in assets

  • JP Morgan Chase & Co.

One of the largest financial institutions is made up of two divisions; the Chase side which handles commercial banking and business and the JPMorgan side which is completely involved in investment banking.

  • Barclays

It is a huge investment banking firm in the UK and the US with $1.4 trillion in assets

Credit Suisse

Starting in 1856, it is one of the biggest Swiss banks known for its privacy policies and professionalism with USD 1.75trillion in assets.

  • Deutsche Bank

It is one of the top 10 investment banking institutions in Europe with 1.3 trillion assets in Euros.

Skills Required to Become an Investment Banker

To become a certified investment banking operations professional, you will need the following skills:

  1. A strong intellect for grasping the aspects of mathematics, analytics, economics, and finances
  2. Diligence and self-discipline to stick it out in a highly demanding work environment
  3. Creativity to approach your task in an innovative way
  4. Open-mindedness with proficiency to communicate in more than one language will make you a desirable candidate in the world of investment banking
  5. Academic inclination towards anthropology, sociology, and linguistics are characteristics that are highly sought after
  6. The ability to strike up conversations, foster new connections, and build life-long relationships are key skills that are looked for in an aspiring investment banker

About Certified Investment Banking Operations Professional (CIBOP)

If you have set your mind to become a full-time investment banker then a certified investment banking operations professional course is tailor-made for you. This course offered by Imarticus amongst many other institutions aims to equip you with all the skills required to become an expert in 180 hours. When you enroll in this investment banking course, you will have the following perks:

  • Pick up on job-specific skills
  • Get an opportunity to explore investment banking jobs in one of the biggest placement drives
  • Be awarded a Euronext Group endorsed CIBOP certificate
  • Get to experience 360-degree learning with trading simulations in live sessions

Conclusion

With a certificate in certified investment banking operations professional from a reputed institution, you will be one step closer to your dream of working as an investment banker in some of the biggest firms in the world.

What Is Third-Party Risk Management And Mitigation?

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What is third-party risk management?  

Third-party risk management identifies and reduces risks related to third parties. Third parties might be vendors, contractors, suppliers, service providers, etc. Investment bankers in India must do their due diligence to determine third-party service providers’ efficiency, authenticity, and suitability before outsourcing any work to them. This allows banking professionals to check the extent to which they can trust third-party suppliers.

Third-party risk management is necessary to lower the risk factors of data breaches and vendor bankruptcy and meet regulatory requirements. Banking aspirants can excel in this field by completing training courses on risk management from Imarticus Learning. 

Need for risk management 

Any business is liable for third-party breaches, and inadequate risk management can lead to severe consequences. Legal and regulatory requirements and bribe regulations apply to third-party vendors, too. Any glitches in the procedures or formalities will lead to a massive financial crisis. More importantly, the firm’s reputation will be affected badly.

Risk management plays a very critical role for organizations, so a business with a robust third-party management risk factor program will be an essential requirement. High risks, such as cyber-security attacks and data breaches, are generally from third-party vendors. Regardless of the company’s risk managing capabilities, a third-party risk management process is indispensable. Internal assessments should be a part of daily audits that will assess risk probabilities within the firm due to external factors.

Risk management in banking 

The following are the 3 essential categories of risks in banking: 

  • Credit Risks 
  • Market Risks 
  • Operational Risks 

With increased fluctuations in markets and ever-growing competition, risk management in banking has begun to gain momentum in the banking sectors of India. The practice has increased the efficiency of Indian banks and has also encouraged corporate governance and management. 

How banks manage risks

By making great advancements through tech and securing a robust environment, the Indian banking sector has developed its working style to ensure proper risk management and mitigation. 

Here are some ways that banks manage risks:

  • Credit risk management: This is an important type of risk management in banking that involves consultations and taking the consent of senior officials. It includes the formation of a credit policy economy and techniques such as risk rating, loan review mechanism, credit approving authority, etc.
  • Market risk management: This type of management deals with market risks such as fluctuations in interest rates, foreign exchange rates, etc. It is done by the asset-liability management committee, whose roles entail setting up an independent middle office and creating robust market risk policies.
  • Operational risk management: It is done by making analytical studies, assessing risks at regular intervals, and quantifying potential risks. 

The demand for investment bankers in India

There is an increasing demand for. Investment bankers act as bridges between private or public firms and investors. These banking professionals have numerous responsibilities in financial processing and are required for efficient risk management. 

Investment bankers work in teams that comprise managing directors, vice-presidents, presidents, and analysts. They generally: 

  • Prepare research reports on financial data and analysis. They also edit, review and present research reports, pitchbooks, PPT presentations, and documentation. 
  • Advise companies on securities, underwrite municipal bonds, and carry out company evaluations. 
  • Offer guidance on risks and other financial trends and projects. 

As an investment banker in India, you will be able to work with high-profile businessmen, directors, and influential investors. You will be treated on par with the firm’s directors, president, and other high-level associates. Along with this, you stand to receive a huge compensation: investment bankers earn around INR 9 lakh per annum on average. 

Investment bankers are in extreme demand, with analysts working for 100 hours a week. 

How to become an investment banker in India

Banks and firms often seek excellent investment advisors and analysts to increase their growth. The demand for investment bankers in India has increased substantially, which comes with the requirement of skills, experience, and dedication. As such, risk management courses have become a basic necessity for becoming an investment banker. 

Training courses and certifications in risk management will help you sharpen your abilities and skills. They expose you to the inner workings of the banking field, making them a basic requirement in many top firms.

Among the various risk management courses, Imarticus stands out for its ability to provide a unique learning environment. With over 8000+ placements, there has been a salary hike of nearly 60% with a job assurance. Get in-depth knowledge of skills in investments and other job-relevant skills. 

For more information on industry-relevant risk management courses, contact Imarticus today. 

How a Training Program can Refine Your Capital Markets Knowledge

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How a Training Program can Refine Your Capital Markets Knowledge

Introduction 

The capital market is an important contributing factor to the sustainment of an economy. This blog explains the importance of capital marketing courses and their role in the life of young aspirants who aspire to be inside the capital market. Initially, the definition of capital market is given along with the types of capital markets. Apart from that, the five main instruments of capital marketing are explained, and the importance of capital marketing courses and PGDM courses in financial management are given at the end.

What is the capital market? 

Capital markets are where savings and investments are traded between buyers and suppliers. It refers to the trade-off between the suppliers such as the banks, investors, and those seeking the capital- organizations, government institutions, or individuals. These are venues where the exchange and trade of capital occur between suppliers of the capital and those who demand the capital. The capital can be funds, shares, stocks, bonds, etc. Capital markets generally seek to improve the transactional efficiency in a market. 

Capital marketing occurs when the suppliers and users of the capital exchange fund. The suppliers are the institutions (government or private) like pension funds or retirement funds, charitable funds, insurance funds, and other non-financial companies. The users of the funds are purchasers (home or motor vehicles), government organizations that invest in infrastructure and operating expenses, and other non-financial firms. The capitals that are sold are equities (like stocks) and debt securities(such as bonds). Capital markets act as a link between the investors and traders or savers, providing them with a place to exchange securities. 

Types of Capital Market 

Capital markets are broadly classified into primary & secondary markets. 

 

  • Primary markets: Primary markets involve new securities in the trade-off. Companies that sell their Initial Public Offerings(IPO) trade in Primary Markets. The trading activities and other issues in Primary markets are subject to strict rules and regulations. Companies must not only file their statements under Security Exchange Commission (SEC) and other security agencies but also wait for their approval. They can go ahead with the proceedings further, only if the SEC approves their statements. The main functions of primary markets are origination, underwriting, and distribution. 

 

  • Secondary Markets: Secondary markets are where previously issued securities are traded off in the market. The security agencies and the SEC generally oversee the trade happening in secondary markets. The main functions of the secondary markets are: offering liquidity to investors, active trading, telling you the value of security, etc. Most small investors participate in secondary markets. 

Instruments traded in the capital market 

The five most important instruments traded in the capital market are : 

    • Equities: refer to an investment in the company’s equity stock, after which the investor becomes a shareholder of the company. 
    • Derivatives: They are financial instruments whose values depend on the underlying assets. 
    • Exchange-traded Funds: Financial resources of investors used to buy shares, bonds, derivatives, etc. 

 

  • Debt securities: These are major financial assets whose owners are entitled to a stream of interest payments. 

 

  • Foreign exchange instruments: Foreign exchange instruments are financial instruments represented in foreign markets that consist of currency agreements and derivatives. 

Capital markets are one of the important factors that contribute to the economy. Trading capital among different ventures, firms, and investors keeps the economy running. However, one should have a clear understanding of the capital markets. There are capital marketing courses that will prove to be of extreme help if you are looking to understand how the capital market runs. 

Capital marketing courses will boost your knowledge of capital markets as these markets finance the economy and provide financial and economic stability. They form the most vital part of economies based on the market. 

To stand out tall and successful in the capital market, it takes a high level of skill, knowledge, training, and experience to understand how the market runs, due to which capital marketing courses are essential. 

Courses like PGDM in Finance Management will help you sustain yourself in the capital market. Capital marketing courses will also teach you mathematical, financial, and economic theories related to the capital market. 

Apart from these courses, you can sharpen your knowledge of important financial products such as equity and derivative products, fixed income products, and foreign exchange by undergoing capital marketing courses. 

The capital markets’ professional certificate that you will get after completing the courses will carry a vast weightage and importance in the capital market. We, at Imarticus, provide advanced courses collaborating with IIM Lucknow, one of the leading institutions in India. Our advanced management program will give you a clear understanding of the market and strengthen your skills. 

Visit our website here- Imarticus for an application to make your dream come true. Or you can connect with us through our centers and chat support. If you want to understand more about the program in person, please visit our training centers in Mumbai, Thane, Pune, Chennai, Bengaluru, Delhi, and Gurgaon. 

Learn Financial Analysis: A Comprehensive Guide To Trading Methods And Applications

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Learn Financial Analysis: A Comprehensive Guide To Trading Methods And Applications

All of us want to make money in the stock market, to grow our wealth as quickly as possible. Stock trading and investing to make monetary gains require hard work. Two main aspects of stock trading and analysis include fundamental and technical analysis. You can learn about financial analysis through financial modeling, financial analysis, or chartered financial analysis courses at Imarticus Learning.

Fundamental analysis involves a detailed study of the financials of the company to determine the intrinsic value whereas technical analysis involves the study of historical prices of the stock through chart patterns to project the future price and the trend in stock prices.

What is Financial Analysis?

Financial analysis is the holistic study of the financial position of the company, including past trends, ratio analysis, and cash flows of the company to determine the solvency, liquidity, financial strength, and intrinsic value of the company. When you do a financial analysis of a company or a stock, it should be able to help you determine whether undertaking an investment in a particular company is worthwhile.

It helps you choose the best possible investment opportunities. It involves the study of the balance sheet, profit and loss accounts, cash flow statements, and ratio analysis. You can opt for a financial modeling course or a chartered financial analyst’s course to hone your skills in financial analysis.

Uses of Financial Analysis 

Financial analysis can be divided into two components—corporate financial analysis and investment financial analysis.

Corporate Financial Analysis 

  • Forecasting economic trends in the company/stock. 
  • Companies use financial analysis to enable them to determine future trends in financial policy, long-term budgeting exercises, peer comparison, etc.
  • Project identification teams also use financial analysis to make a comparative analysis of cash flows and return to determine the most investable project. Measures like internal rate of return and net present values form an integral part of financial analysis. Financial modelling courses can help you build your skills in this area.
  • Improve working capital management by improving the efficacy of collection of receivables/payables management, etc.

Investment Financial Analysis 

There are two popular approaches to doing financial analysis:

Top-down going from the macro to micro: This starts from analyzing major economic trends in the economy including  GDP growth, the future direction of interest rates, inflation, exchange rates and currency trends, movement of the economic policy, looking at sectoral trends or factors that accelerate or impede the growth of the industrial sector, and then cherry-picking the industrial sectors poised to perform very well in the economy. 

After the macro analysis, the next step is drilling down to the micro. Looking at specific companies in the selected industrial sectors, conducting ratio analysis and financial analysis of the selected companies, and doing both intra-firm and inter-firm analyses to finally choose the best investment opportunities. 

Value-based investing:  This is going from the bottom to the top. Selecting a company based on its intrinsic value and validating all other assumptions about the macro aspects affecting the company. If the stock markets are particularly choppy, it is always better to use a value-based approach to pick your stocks.

In both the above strategies, analyzing past performance using ratio analysis and other financial analyses is key. Per-share ratios such as price-earnings, price/book value, price to sales, price to enterprise value, leverage ratios like debt/equity, debt to total assets and interest coverage ratios, return ratios like return on equity, return on assets, gross profit margin, net profit margin are all important and can be used in the analyzing the past trends as well as in peer comparison. 

All of the above analyses help in determining the intrinsic value and whether the company is overvalued or undervalued compared to its long-term historical averages. Ratios such as dividend payout ratio and the earnings per share growth help determine whether the company is growing at a sustainable rate and whether it can maintain its growth momentum. 

Technical analysis: Technical analysis is based on the presumption that the current stock price reflects the intrinsic value and charting historical prices of shares will help project the future share price momentum. Various techniques such as bar charts and candlestick charts are used to portray the chart patterns. Various studies interpret different chart patterns to decide whether the stock is likely to give a breakout on the upside or the downside. This helps decide the price point of stock at which you should enter. 

Both fundamental and technical analyses should be used in conjunction with each other and not in isolation. Also, you must be aware that market sentiment depends on macro-economic trends influencing the economic policy of the country and also the impact of central bank action around the world. 

Recently, all central banks around the world raising interest rates due to excessive inflationary pressures in concert has turned market sentiment bearish. This has resulted in large falls in both the indices as well as stock prices.

Key Takeaways 

Doing financial analysis before undertaking any investment activity is very important as it is your hard-earned money at stake. Poor judgment calls or poorly done homework means significant portfolio losses. If you are a beginner in stock markets, learn both fundamental and technical analysis.

Only when you are proficient in both should you take stock of investment decisions or decisions to build your portfolio. Don’t delay. Register for a financial analysis course, a financial modeling course, or a chartered financial analysis course today. It is the difference between growing your wealth and losing it. 

Visit Imarticus Learning to learn more. Contact us through chat support, or walk into any of our training centers situated in Mumbai, Thane, Pune, Chennai, Bengaluru, Delhi, and Gurgaon. 

Cloud Computing: What’s The Ideal Scenario For Using Edge Computing Solutions?

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Cloud Computing: What’s The Ideal Scenario For Using Edge Computing Solutions?

The Banking and Financial Service Industry (BFSI) has been evolving with emerging technologies. The adoption of modern technology has become of prime importance for customer satisfaction, security, and transparency. 

Several technologies, such as Artificial Intelligence (AI), cloud, and 5G, combined with edge computing, have endless opportunities in the fintech industry. Though these latest solutions are available in the market, there are very few experts who can work with these technologies. 

Edge computing is still evolving, and one needs to have a complete understanding and awareness of the steps followed while handling edge computing solutions; otherwise, banks and financial institutions may have to undergo unwanted events. 

BFSI industry deals with various money-related operations and processes. Implementing fintech can be a big step for any bank and financial institute. But, these institutes prefer to adopt modern fintech to maintain their competitiveness, brand recognition, and the top position in the market. Suppose you are interested in being part of the contemporary and advanced BFSI and making a lucrative career in it. In that case, you need to learn the fundamentals of BFSI and develop your skills for fintech solutions. 

A Career in Fintech

If you have a background in finances and want to experience professional growth in BFSI, fintech is the best option in today’s modern world. Though the banking sector is one of the early adopters of technology, it is still facing issues in making its services faster and more efficient. Modern fintech solutions are still emerging with new technologies that put BFSI under pressure to keep its data safe and secure. Thus, experts must work on available solutions to protect infrastructure from vulnerabilities. In addition, it offers enthusiasts enormous opportunities to make a career in fintech.

To start with, you need to learn the fundamentals of BFSI and fintech in the BFSI sector. The modern banking landscape is dynamic and includes a complex financial services value chain. Imarticus Learning Pvt. Ltd. offers a Professional Certification in Fintech. This course covers the fundamentals of the BFSI and develops participants with the required skills in the digital transformation of BFSI organizations. This online Fintech Program includes three basic modules:

  • Introduction to BFSI and Fintech: Modern banking landscape, financial services value chain, and interaction with the bank, case studies, and group project
  • Cloud computing and API economy: Introduction to cloud computing and critical evaluation, API economy, open APIs and connected businesses, and the art of building robust, secure and scalable APIs
  • Digital transformation and RPA: Business process reengineering, robotic process, and intelligent automation, process mining, and process optimization

After these core modules, the course also covers pro modules for in-depth knowledge and skill development, including:

  • Payments- consumer and wholesale: Introduction to payment ecosystem, innovation in consumer and retail payments, and innovative products
  • Use of technologies in payments and new business model: Use of new technologies like blockchain, cryptocurrencies, IoT, big data, AI, ML and Bots, and hybrid payment products 
  • Lending- consumer and wholesale: Regulatory framework, social media, dynamic credit rating, risk management, SME/MSME lending 
  • Use of technologies in lending and new business model: DeFi in lending innovation, data science tools, and ML for data mining/ cross-sale

These modules provide a complete understanding of changing the BFSI sector with technology and how one needs to be dynamic while aspiring for a career in BFSI. But, to start working on real-world problems in the BFSI sector, you need to be prepared for real-world challenges and how these challenges can be overcome. 

To ensure BFSI career aspirant is ready to start full-time work in fintech, Imarticus Learning’s online fintech program participant works on a group project and an open-book case-study-based evaluation as a mandatory requirement for the certification. Thus, you will be ready with a theoretical base and practical knowledge to help BFSI organizations transform their businesses. 

The online fintech program opens the door for your career with various opportunities such as regulatory affairs counsel, chief product officer, digital transformation manager, blockchain strategy manager, robotic process automation project manager, design thinking specialist, chief information security manager, cloud infrastructure architect, process automation lead developer, etc. 

Thus, if you are interested in making a career in any of the departments of BFSI with fintech, such as insurance, IT project, service, baking, and financing, Imarticus Learning is the only institute offering a 100% online fintech program with in-depth exposure in the theory and practical sessions. Contact the Imarticus webpage or visit one of its training centers in Mumbai, Thane, Chennai, Pune, Delhi, Bengaluru, and Gurgaon for more information. 

7 little changes that will make a big difference: Credit risk certification in India

Posted on by Imarticus Learning

7 little changes that will make a big difference: Credit risk certification in India

Objective: A high growth career in Credit Risk

Financial markets provide some of the most rewarding careers across sectors. One such area in which careers are being made is the huge lending industry. In the lending industry, credit risk management expertise provides a plethora of job profiles such as operational risk manager, risk analysis researcher, enterprise risk management lead, credit analysis associate, and insurance underwriting, among other high growth profiles.

However, it is not so easy to get an entry into this industry, and if you are already in credit risk management, job mobility and promotions are a huge problem.

The effective way of making a career in credit risk

There are many ways to get into these roles or pursue a promotion in them. Going for one of the reputed credit management courses can help you reach this goal. Credit risk certification that is recognized by the industry can solve some key problems and make it possible to attain the goal of having a thriving career in credit risk management. Pursuing the best credit risk certification in India can make all the difference to your work profile. 

7 ways in which a credit risk certification makes a difference

Here are 7 key ways in which a credit risk certification makes a comprehensive difference for you in your career goals:

 

  • Strategic overview of the lending landscape.

 

Going through one of the reputed credit risk management courses will enable a credit analysis professional to get a strategic view of the lending industry. For an ambitious professional, who sees himself rising up the corporate ladder, it is necessary to develop a strategic perspective. Having a broad view of the market is what is expected of key decision-makers.

 

  • Fintech opportunities

 

Several major fintech companies have come up in recent years. They have created massive job opportunities and provide an option to those who are looking to switch job profiles. One of the best ways to catch the attention of recruiters is to have a certification that shows knowledge of the area in which one is seeking a role. 

 

  • Valued certification

 

When a credit risk certification comes with a tie-up with a global institution like Moody’s Analytics, it has demonstrated value in the job market. It also enhances prospects within one’s current organization. A certification communicates knowledge and intent to employers all over the world. Moody’s is a globally renowned financial institution. 

 

  • Comprehensive curriculum

 

A self-learner can be lacking in confidence because of having missed out on working in some key aspects of the industry. For example, someone in sales could feel intimidated by due diligence. But going for certification takes a professional through a comprehensive curriculum where the fundamentals of each key segment are taught. 

 

  • Live interactions with experts

 

Undergoing a course gives the opportunity to interact with experts and go deeply into every section one is truly interested in. It is a proven method of learning wherein a participant gets an outlet to express his doubts and get them cleared. These are also opportunities to get mentors for one’s career.

 

  • Upskilling for digital technology

 

Joining one of the credit risk management courses online fulfills the dual role of providing skills in the credit risk domain, as well as in digital technology. If you have been off academics for a long time, you would be feeling the need to reorient yourself to fit into a digital-first world. Credit risk management courses by modern institutions such as Imarticus teach you tools relevant to the technology-driven lending industry. 

 

  • Learning at an affordable duration

 

There are many credible educational programs to go through, but these are usually of 1-2 years duration. While they carry legitimacy in the industry, this is a huge investment in both time and money. Credit risk management courses online give your knowledge legitimacy in a much shorter duration. 

Conclusion: Credit Risk Certification is the definite solution

Credit management courses online can create tremendous value for any finance professional who wishes to join the segment. There are many reasons, such as the collaboration with Moody’s Analytics, that makes this one of the best credit risk certifications in India. 

Imaritcus brings deep learning, relevant today, to all their courses. This makes the engagement meaningful and transformative for their participants. The credit risk certification course, Imarticus offers is readily accepted by the industry.

Within a short duration, it reorients the participant, provides learning of fundamentals, and makes a professional savvy in the technology era – features that would be it the best credit risk certification in India. Getting a certificate through the institute includes placement assistance and contacts to navigate into the industry. 

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