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Tag: banking and Finance courses in India

Big Data Analysis with respect to digital lending

Posted on by Imarticus Learning

A recent study on digital lending has shown that the average borrower earns a higher income than the average credit cardholder. It is not surprising that many of these borrowers are college graduates with good jobs and high salaries. The following insights from this study will be helpful for any business looking to enter into the digital lending market or increase its share in it.

This blog post discusses essential big data in digital lending, such as how much the average borrower makes and their educational background, which can help inform future decisions regarding this industry.

What is a Big Data Analysis?

Big Data is a term that describes the large volume of data organizations collect, process, and store. The data can be in any form, including text, images, audio, or video. Big Data is the process of extracting valuable insights from this data to help organizations make better decisions.

The digital lending industry is one area where Big Data Analytics can be used to significant effect. By analyzing the data collected from borrowers and lenders, organizations can identify trends and patterns to help them make better decisions about lending money. For example, they can determine which borrowers are most likely to repay their loans on time or which lenders are most likely to offer the best interest rates.

How can lenders use big data in their day-to-day operations?

One of the most important ways is analyzing a borrower’s credit history. Using predictive analytics and machine learning techniques, lenders can use extensive data analysis to assess a potential customer. It also reduces the risk of lending money to new borrowers and shortens its time for the approval process.

Here are some other benefits: –

  • Lenders can get a better understanding of customer behavior and preferences.
  • They can also improve their marketing efforts by targeting specific audiences.
  • Additionally, they can identify fraudulent activities and prevent them from happening.

Big data provides lenders with opportunities to increase efficiency, accuracy, and profits. Using it can make better and more informed decisions about lending money and how much.

Explore credit analyst course with Imarticus Learning

Acquire a robust toolbox that helps students grasp India’s credit environment, study the whole loan evaluation and due diligence process, and conduct financial analysis with this 145+ hour Credit Risk and Underwriting Pro degree. Students can explore five complete case studies to get a hands-on learning experience. Each case study corresponds to a particular curriculum component, allowing students to put their knowledge to use while also learning more about credit risks and underwriting.

Course Benefits for Learners

Future of Financial Accounting from 2021: How will Digital Transformations Impact Accountants?

Posted on by Imarticus Learning

Change is inevitable when it comes to the world of business. Especially so when it comes to financing, and accountants are a major if not the main part of it. Finance has been one of the foremost career prospects for students for a long time.

banking and finance coursesThis is why banking courses in India after graduation have never lost their place in the trends. MBA and diploma in banking and finance is a popular choice for students all over the world.

Imarticus Learning has a lot to offer in this department with its diploma certificate courses and PG programs.

However, with the progress of AI tools, along with a lot of other professions, accountants also faced the potential threat of going out of jobs. However, that is not the case as accounting is not merely made up of bookkeeping, but also strategy forming, and other creative aspects. AI simply can not keep up.

A support tool, not a replacement

With the evolution of new and improved AI technology, accountants all over the world were worried about where it would leave them. Along with that, the unforeseen disruption caused by Covid-19 caused panic amongst the community.

However, as days passed, it became evident that AI works as a support tool for accountants that benefits them immensely. Technology has taken over the grunt work so that accountants can pour over the finer aspects of the industry. Namely, creativity, and strategy forming. Which, as of now, AI is not developed enough to approach.

The constant evolution of technology has changed the way any sort of professionals, be it accountants or otherwise, approach their work. There are lots of people and lots of projects to work on. As a result, the flow of data has become immense. This is why it is a need now to rely somewhat on technology to share some of the burdens so that accountants can do what AI can not.

 AI makes future accountants more relevant

The use of AI has considerably lessened costs and waste of time as well as smoothened the terms of communication as well as collaboration. It makes the system a lot more comprehensible by dismantling data silos. As a result, the quality of the data rises along with the quantity.

This works as leverage for the accountants as the tedious work gets done a lot faster and there is little space for human errors to occur. There are a few key things that need to be kept in mind, however, such as:

  • As accounting becomes more about the finer aspects of financial strategies, accountants will need to be well versed in those aspects as well. This can only happen through a proper degree from an MBA or diploma in banking and finance.
  • With a higher level of skills, accountants will be able to be of aid to other units of a company. Such as setting budgets or providing them with other types of financial intelligence.
  • Future accountants might play the role of an advisor as their job descriptions might evolve with the help of AI.

 Conclusion

AI is supposed to provide accountants with much-needed technical support so that the system can run smoothly. It is not here to replace them. However, future accountants evidently will need a much higher level of skills that can only be obtained by a proper course. Many institutes offer banking courses in India after graduation, like that of Imarticus Learning’s PG programs. Check them out to get a boost to your career.

Combining Career Progression With Self Development In The World Of Investment Banking Operations

Posted on by Imarticus Learning

Historically, banking has been one of the most popular career paths for ambitious people looking for long-term stability, competitive salaries, and numerous opportunities for growth. Now with technology transforming the space and more avenues opening up, banking has become more sought-after than ever.

Investment banking is a division within the larger ambit of a bank or a financial institution that connects investors with corporations, governmental bodies like municipalities, and large institutions. The primary function of investment banking is to expedite capital funding through investments.

Contrary to popular belief, investment banking is not a single job. Rather, it is a vast ecosystem within which several job profiles thrive and efficiently work together. One such job profile is investment banking operations which is mainly responsible for ensuring accuracy, profitability, and risk reduction in bank transactions for the company’s clientele.

best investment banking courses with placement in IndiaIn this article, we discuss what an investment banking career in operations entails as well as what to study to become an investment banker.

If you are looking to upskill yourself to advance your career prospects in this niche, then sit back and read on.

What Are Investment Banking Operations?

Investment Banking Operations is a specific profile in the ambit of investment banking that mostly deals with backend operations within the company. Operations staff provide support to client-facing departments such as corporate finance. Their primary function is to ensure that the business is efficiently administered.

Every banking institution deploys sophisticated IT solutions within the company and a key role of the operations unit is to develop, maintain, troubleshoot, and oversee IT systems within a company. This role has become ever more important with the digital revolution transforming the way companies in every industry use digital innovations.

In other words, operations staff are responsible for:

  • Developing and maintaining backend IT systems
  • Collating and analyzing systems information
  • Liaising with other bank divisions to deploy IT solutions effectively
  • Overseeing data flows and ensuring accuracy
  • Managing everyday banking processes
  • Aiding in maximization of efficiency and profitability

A Career In Investment Banking Operations

Like any other investment banking role, getting into operations can be challenging because of the competitiveness that exists in the field. Companies take a close look into the profile, experience, educational qualifications, and skillsets of the potential candidate before handing out a letter of appointment.

One of the most asked questions among candidates is this – What to study to become an investment banker? Employers usually specify the degree level that they look for in their potential recruits. Candidates with a degree in finance often have a competitive edge over others when it comes to cracking a role in investment banking operations. Companies also regard apprenticeship or internship experiences in operations with high value.

best investment banking courses with placement in IndiaOne can pursue voluntary certifications like the Chartered Financial Analyst (CFA) course offered by the CFA institute to improve their aptitude.

Similarly, MBA degrees with specializations in finance or technology management are also excellent options to develop an overall aptitude to land a leadership role in investment banking operations.

Nowadays, there are several online advanced certification courses available in the market that help professionals learn investment banking and develop the necessary skillsets for a career in investment banking operations.

Conclusion

An investment banking career provides high levels of personal and professional growth, stability, and lucrative financial rewards. Let’s just say that if you are an ambitious professional with the ability to take on a challenge, you could be a successful investment banker.

If you are looking to upskill yourself to suit the requirements of an investment banking operations career, then a specialization course like this Certified Investment Banking Operations Professional course is a good place to start.

Investing Banking as a Competitive Industry: Reasons to Become An Investment Banker and what do they do?

Posted on by Imarticus Learning

Banking has been a competitive industry for years. The competition is so great that investment bankers have to be on top of their game at all times. The best way to improve the chances of landing one of these coveted positions is by getting the education and experience needed beforehand.

There are many reasons that people consider making a career in this new-age transformation of industries. This blog post highlights the reasons to become an investment banker and what an analyst is as a part of the job role.

Reasons to make a career in Investment Banking Industry:

Investment banking is a very competitive industry where only the best and brightest are hired. Because of this dynamic, investment bankers are those getting do everything in their power to attract top talent.

  • Great way to enter Private Equity & Hedge Funds
  • Excellent salary packages
  • Get the best business education possible
  • Explore any field of finance & business while being an investment baker
  • Experience different tasks every day
  • Make an essential impact on the economy and lives on a day-to-day basis.
  • Make lifelong friends that support your professional graphs
  • A great career pathway
  • Exciting Deal making exposure
  • Influence people and clients
  • Playing on excel and financial modeling
  • Get a skill in financial modeling and valuation
  • Surrounded by brilliant and talented individuals
  • Build Credibility for yourself in the start-up world
  • Build Confidence & learn to handle moods and emotions
  • Developing a fantastic work ethic
  • Learn networking and build one

What does an investment banking analyst do?

An investment banking analyst course is designated to evaluate & research investment opportunities to find the suitable investment for the client’s goals. Investment banking analysts are responsible for assessing opportunities & recommend investments based on needs & goals.

They handle corporate clients like new investors, existing investors, or even the analyst’s organization. If the clients are new, the analyst is responsible for gathering & process data, investigating opportunities & present the findings to the team/client.

For existing clients, analyst evaluates investments based on performance & makes recommendations for keeping/replacing them. If the client is their organization, analysts assess earnings reports, assets, industry trends, etc., to make investment recommendations for their institution.

Other investment banking analyst responsibilities include the following:

  • Reviewing & analyzing data for investment portfolios, the performance of stocks & bonds, credit trends, & other transactions
  • Presenting results of research & investigation to internal team or external clients
  • Handling administrative tasks like generating reports, arranging meetings, & other materials, while ensuring the unit operates smoothly.

How to Become an Investment Banker?

best investment banking courses with placement in IndiaImarticus Learning offers investment banking certification courses. The Certified Investment Banking Operations Professional (CIBOP) course fully equips students with the skill-sets needed to kick-start a career in investment banking operations & clearing services.

Upon completing this course, students receive an industry-recognized, internationally accredited Certificate of Excellence.

Through real-world scenarios, trading simulations & hands-on assignments, students understand the industry more cohesively & practically, with an ability to contribute to the workplace from day one. The CBP program stands out in finance courses in its depth, expertise, and relevance to the investment banking industry. It is a valuable pathway to gain industry-relevant domain knowledge and get placed in a leading global bank.

Contact us through the Live Chat Support system or visit our training centers in Mumbai, Thane, Pune, Chennai, Bengaluru, Hyderabad, Delhi, or Gurugram for more insights on investment banking certification courses.

How Automation is improving Employee Experience in Investment Banking Operations?

Posted on by Imarticus Learning

Automation is not a distant dream anymore. Most of the industries already started using automation to reduce the human workforce, reduce the workload on the human workforce and make the regular repetitive activities more efficient.

best investment banking course with placement in IndiaThe investment banking sector also stepped in to explore the world of automation and how they can utilize it.

When you are looking for an Investment Banking Career, you should know how automation impacts it. Relevant investment banking courses can provide you the knowledge you need.

Investment banking is one of the most rewarding careers however this industry demands long working hours, sometimes till late-night and also on weekends. In spite of efforts from banks, this scenario hasn’t changed a lot. As a solution, many banks started implementing automation to reduce the workload for their employees.

The advantage is that automation has convinced more banks to implement automation in the maximum possible areas.

In recent days, what many companies are preferring are citizen-led automation programs. Citizen-led automation or citizen automation basically enables a non-technical user or a user with limited technical expertise to create simple automation for themselves or their department as needed. This automation feature proved to be extremely beneficial for the bank and their employees, which is the true essence of automation.

With the help of citizen-led automation, the employees are now capable of using low-code tools and they have the basic knowledge of building automation to perform many of their day-to-day activities. The bright side of automation doesn’t end here.

Employees can automate many of their tasks which are otherwise very difficult and time-consuming when performed manually. Through extensive use of automation, employees are empowered to focus on higher-value tasks for the banks which they were not able to pay much time and attention to before automation, thereby causing benefits to the bank like never before.

Banks demand authenticity in their operation. Many banks still doubt the authenticity of automation programs. There exists a common perception among many banks that these citizen-led automation programs are not worth investing in. However, reality speaks otherwise.

Within any industry including banks, there are hundreds of activities that are repetitive in nature and still performed manually. There’s no point in investing in dedicated teams to perform all these activities when all these tasks can be automated.

Equipped with citizen development, employees are building automation and front-office teams are freeing themselves from hundreds of hours previously spent on repetitive tasks. Below, a few cases from the investment banking sector, which are getting automated or can be automated.

Prepare trading reports: Automation bots prepare reports with charts and trading elicited from 3rd party data providers and send them to analysts.

Preparing presentations: Automation bots help build presentations by adding dates and titles, comparable company metrics, market performance charts, and other relevant data points.

Generating public information books: Bots pull company details, press releases, research, and news articles from various sources and merge them into a single PDF document.

Consolidating working group lists: Bots navigate across multiple applications to assemble relevant client information and input it into a formatted document that the team can use further.

Formatting earnings models: Bots work across various worksheets to transfer data from prior quarters into the current quarter’s data and prepare earnings releases.

Handling workflow change requests: When the bankers request workflow changes every time they are to start working on a new project. But an automated bot accommodates changed workflow requirements easily.

Conclusion

Considering the extreme workload in the investment banking industry, automation is a sign of hope. Slowly investment banks are inclining more and more towards automation.

If you are building an investment banking career and considering taking the best investment banking course with placement in India, you may need to pay attention to automation as well because automation is the future.

Entrepreneurial Finance & Investment Decisions in Seed-Stage Ventures: An Overview

Posted on by Imarticus Learning

Startups and Typical Funding Path 

There are many ways to finance a new startup, and finance is one of the most important aspects to consider when launching a business. There are several sources of finance available for startup ventures, which include public finance, private equity finance, venture capital finance, and self-funding (called bootstrapping).

Public finance is very broad in scope and typically includes funds raised by companies from government agencies or government programs designed specifically for entrepreneurial purposes.

Much of this activity takes place at the local level, where city governments work with entrepreneurs through various programs to help launch new businesses within their communities. These programs can vary widely from location to location; however, they generally offer technical assistance on all stages of company creation as well as financial support such as low loans or seed money grants.

What is Seed Financing?

Seed financing (also known as seed money, or seed funding) is the first stage of a startup’s capital-raising process. Seed financing is a form of equity-based finance. In other words, investors give money in exchange for an ownership stake in a firm. This is generally done in a looser formal setting when compared to other types of equity-based capital investment.

How is Seed Capital Used?

Seed capital is typically used to cover the company’s initial operations. Proceeds from seed financing might be spent on market research or early-stage product development (e.g., the formation of a prototype), as well as on essential operating expenditures such as legal fees.

The majority of the funding comes from family, friends, and angel investors. Angel investors are the most important participants in seed investment since they might supply a large quantity of money.

Seed Financing as an Investment Vehicle

The riskiest type of investment is seed financing. It entails putting money into a firm that has just begun to generate revenue or profits. Venture capitalists and banks, for example, typically avoid seed financing because of these reasons.

Seed investment, on the other hand, is one of the most complicated types of financing. This is due to a lack of information on the part of a potential investor. Because it’s crucial for determining whether or not your company has a viable concept and strong management that can implement it, you’ll have to do some research yourself.

The executive’s soft skills, as well as the company’s management abilities, also have an impact. Management expertise isn’t always crucial, however. Many internet giants like Facebook and Google were created by people with virtually no prior business administration experience.

Looking for finance courses with placement?

MBA in investment banking and equity research can skyrocket your career! Join Imarticus’ exclusive program in association with JAIN University and up-level your career in finance in no time.

Credit Underwriting Standards: A Challenge for Smaller Banks!

Posted on by Imarticus Learning

The main revenue for a bank always comes from the money they lend to different borrowers. The interest obtained on that lent money generates revenue for them. Now, this lending process exposes a bank to risks.

In this article, we will discuss various aspects of credit underwriting standards and the importance of a credit analyst course or a PG diploma in banking and finance.

What are Credit Underwriting Standards?

Underwriting standards are a set of guidelines defined by banks or lending institutes, to determine if a loan applicant is qualified for the loan or credit. Credit underwriting standards determine the loan amount, loan terms and tenures, rate of interest, etc. This credit underwriting standard works as a risk management process that helps minimize the risk factor from the lent loan.

Key factors of Credit Underwriting

There are some basic points a bank should consider before granting the loan.

  • A common problem faced by credit approvers is that they often don’t get sufficient financial information from the applicant.
  • An efficient cash-flow projection report can be prepared with enough historical data, balance sheet statements, and a financial analysis system. However, appropriate information needs to be obtained from borrowers regarding expected trends, upcoming capital structure and incorporated in cash-flow modeling for better prediction.
  • Rating models can be efficiently predictive and render an effective early caution against credit deterioration only when the data fed to them are quality data.
  • When the process is more manual and duplicate data is kept in multiple systems, it causes an increase in “time to cash”. The key factors that contribute to “time to cash” are the market environment, the efficiency of decision-makers, and system infrastructure.
  • To understand the key performance indicators and meet the audit requirements, extracting the right data is essential. Also, a user-friendly way of capturing data and a strict well-defined process is essential to make sure the data is correctly apprehended and managed.
  • Understanding the business model sustainability of the borrower is important. The borrower should have better alignment between business strategy and financially reliable sectors to recover the losses when one sector is underperforming.

Challenge for Smaller Banks

When it comes to smaller banks, they face few challenges while maintaining credit underwriting standards, which either cause problems for them in the present or might create in the future.

  • Major small banks face significant challenges in terms of their ability to produce, manage and maintain sufficient data. This is a clear indication that small banks suffer due to a lack of IT infrastructure and strong risk governance policies.
  • Another key trend among smaller banks is that because of the extremely competitive market, the interest rates that banks offer on loans are not calculated based on the underlying credit risk of those loans, but rather they are more intended towards capturing the market. This lack of risk-based pricing may cause a future inability to recover the money lent.
  • The banks are launching new products, offers, expanding themselves into new markets, re-adjusting risk strategies because of intense market competition. There was a drop in average lending margins which basically reduced the overall profit margin for a bank.

Conclusion

Credit risk management comes with various challenges. Proper analysis of quantitative and qualitative data, decision-making ability, and mutual relationships can help to reduce the risk and only a properly trained professional can do that.

When you are looking for a career in the banking sector, deep knowledge of credit underwriting standards is essential.

Credit risk underwriting courseA credit analyst course or PG diploma in banking and finance may help you to achieve that. Credit Risk and Underwriting Prodegree In Collaboration with Moody’s Analytics is such a tailor-made course for you.

The Fate of Crypto Hedge Funds: Observations and Predictions for 2021

Posted on by Imarticus Learning

In 2021 over half of crypto hedge funds will go belly up. Around 20% percent that is still in business by this time next year won’t last much longer, though, so investors must be proactive and cautious when evaluating the viability of a fund before investing their hard-earned money into one. On average, these new ventures tend not to survive more than five years on account of competing against traditional investment opportunities with lower risk profiles such as stocks and bonds.

They also have difficulty attracting talented programmers due to lackluster paycheques compared to other lucrative professions like software engineering or data science, which offer better compensation packages alongside flexible work schedules often lacking among those interested in joining cryptocurrency development teams.

best Fintech courses in IndiaIn this article, we’ll discuss how to get into a career in FinTech and take an overview of some great online classes for those looking to sharpen their skills at one of today’s hottest industries!

Cryptocurrency Course

The cryptocurrency course will change the way you think about money. Imagine being able to decide how much of your paycheck goes into stocks, bonds, and other investments!

Or what if people got paid based on their contributions instead of hourly wages? How would that affect the American economy? These are just a few examples; start exploring for yourself with this dynamic class today.

To get a deep understanding of cryptocurrency, you should pursue an MBA in FinTech. There are many institutes available to provide online courses on different facets of cryptocurrency. Imarticus Learning is among those schools, and you can find out more about its course offerings by visiting the website now.

Who can do a cryptocurrency course?

Many people want to get their hands on cryptocurrencies, and they don’t know where to start. There is an online course called “Cryptocurrency Investment Course” that teaches you how it all works. It’s the best place for beginners because it teaches you about Bitcoin and Ethereum, Litecoin, Ripple (XRP), NEO (NEO) as well!

Can I do Cryptocurrency Course after Graduation?

Yes, you can!

Imarticus Learning got just the courses for all your crypto learning needs. Whether you’re a beginner or an expert trader with years of experience under your belt – we have something to offer everyone.

Cryptocurrency is an emerging field where knowledge can be a commodity. To keep up with this rapidly-changing industry, you need to stay on top of the latest trends and developments in cryptocurrency by taking courses like Cryptography Fundamentals or Bitcoin for Beginners online today!

Conclusion:

As the cryptocurrency market continues its volatile trend, more and more investors are looking for investment vehicles that offer stability. While many crypto hedge funds have been launched in recent years to address this issue, few remain standing today. In 2021, it is likely only a handful of these will still be around (though there may be some new ones).

If you want to make your career in cryptocurrency you can pursue our best online MBA courses in FinTech, and we hope you feel more prepared to decide on your education. If you are still undecided, please take advantage of our free consultation to start exploring what it is that will work best for you. Please Enquire Now.