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Role of Technology in Investment Banking

Investment Bank

Today, technology is key in turning trading strategy into trading profit. Technology enables new pricing models and products to be delivered to the market. The IB industry thrives on the flow, analysis, and interpretation of information and technology is often the edge that gives a bank competitive advantage.

Investment Bank

Technology spans across  IB  functions and underpins every deal that is made. When a system is unavailable, millions of dollars can be lost. So robust systems and infrastructure are more than important, they are fundamental to IB’s ability to operate & make profits.

Another challenge is the evolving regulatory burden of the financial sector. Technology has to do more than keeping up; it has to drive the changes and developments necessary to keep IB’s ahead of the competition.

IB’s rely on advanced technologies in the front office to enable high-speed and high-frequency trading. Until now, the upfront benefits from this activity have been so enormous that the complexity and inefficiency of post-trade processes and systems have often been overlooked.

Investment Bank

This is changing at a fast pace. The highest performing investment banks are now using their front-office technologies in bold, innovative ways as a source of competitive advantage for the whole business. By concurrently enabling interdependent business functions, such as risk management, settlement and financial reporting, these technologies are transforming the way organizations ‘think’, ‘react’ and ‘operate’.

There are a number of reasons for the change in this trend:

• Management requires integrated, proactive technology infrastructures that can anticipate the impact of new market and regulatory developments and adapt to the same.

• Technical leaders are under mounting pressure to get a return on their massive investments in technology by using these assets to drive down costs, as well as increase revenues (traditionally the principal focus for front-office technologies)

• This increasing emphasis on ROI means Technology leaders need to develop flexible IT systems/assets, that, by adapting to business change, can appreciate in value over time.

Understanding complex technology is one aspect, but a firm grasp of business problems is also essential. IB technologists work closely with the sales, trading floor, middle office operations to develop the software that enables them to make the split-second decisions or use their creativity and initiative to enhance state-of-the-art front-to-back systems and databases. Whatever the task may be, IB technologists work in a fast-moving environment where solutions move from concept to implementation in weeks and months rather than years.

How to Improve Work Ethics in a Team

Nikhil Barshikar – MD Imarticus Learning, shares Five ways to improve work ethics in a team with  The Economic Times…Read More

  • October, 24th, 2017
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Use of Risk Management in Investment Banking

They way most institutions view risk management is changing. There is a fundamental shift in thought, it is not only viewed as a control mechanism but as an advisor or as a critical viewpoint, which could help in an event of a probable risk factor. Now for any banking sector risk management becomes a vital part, which will help the bank to grow, all the while keeping an eye on any potential risk factors, internal or external, for example, external like, recession, or stock market breakdown and internal like IT failure.

Currently, risk management takes two things into deliberation in the banking sector, (I) possibility of a negative impact and (II) cost of the negative impact. So basically, risk management has a very controlling role in the functioning of a bank. The bank wants to make sure that they can repay the debt in a negative scenario, so it ensures, that too much money is not taken from the client, or push the client into a liability.

Risk management becomes the nucleus of internal control of investment banks, especially in mature international markets. Investment banks buy and sell bonds, prices of these securities vary regularly if the prices go up there is a profit made and if they go down, the loss is incurred.

The trading is done on multiple types of securities across countries and markets and hence there are various risks an investment bank has to manage, one can categorise them as Macro Level, Industrial Level, Exterior Level and the Corporate Level.

Macro-level risks, known as market risks, are the most important risks in the financial market and they are unavoidable. They are generally defined as the risks of losses on and off balance sheets, primarily due to changes in the market variables. Interest rate risks, Exchange rate risks, Inflation and Fluctuation risks, all come under this umbrella. It affects the uncertainty of the profitability of securities. To manage this risk, investment banks put forward, control measures, such as making a team in market risk management, who assess the risk assessment standards and set risk limits.

System Risk Management is an industrial level risk factor, which can be explained as a chain, reaction that follows within an investment bank or within the industry. They can fuel circulation difficulty as triggered by the collapse of a single subsidiary or the business unit of the bank, an example of the menacing result of system risk was the collapse of Lehman Brothers. For the regulators and financial institution, this risk could be the single biggest threat. Banks thus need to build a secure set of flexible risk management controlled framework, combined with capital funds to mitigate the impact of this threat.

Exterior risk factors like the credit risks are generally seen when the investment bank acts as an intermediary in OTC transactions when the counterparty defaults its payment. Or if the client fails to pay the interest, or principal amount after being financed by the bank. To control this risk, investment banks, have put some control measures like scrutinising the screening process of the client and using standard exchange trading as much as possible.

There are a few Corporate level risk factors as well. Operational risks, caused by human error, program malfunction, these could have a huge impact, to control this, banks have strengthened their training and written detailed job descriptions, with cause and effect.

Liquidity Risks are also corporate level risks, caused by the investment banks fail, to not acquire a reasonable price in selling, or while assigning financial mechanisms at a lower price, due to low liquidity ratio. Usually, investment banks set low liquidity risks through hedging.

It can be concluded by saying, risk management should be applied consistently across the banking sector, where ‘Risk Experts’ who have the knowledge of banking and compliance, create policies and procedures to mitigate the risk factors.

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  • July, 3rd, 2017
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Online Courses – Careers Through E-learning


Learning is regularly thought to be an ordinary piece of working and individual life. Both learning for accomplishing work and additionally to achieve information ought not to disregarded. Online condition is changing ceaselessly and it speaks to an extraordinary open door for learning. It is imperative to find how to pick up utilizing all accessible correspondence channels and picking the ones that best suit a man’s style of sifting the data.

These days, online learning ends up being increasingly rehearsed. Numerous conventional colleges began to share their courses online for nothing. It speaks to a simple and agreeable technique to accomplish learning in practically every field, from law and bookkeeping to human sciences, for example, brain research and human science or history. Internet learning is an incredible contrasting option to conventional colleges, particularly for individuals who can’t manage the cost of the time and cash to take genuine courses.
Other than saving the planet, what are the upsides of an online course?

1. Online courses are advantageous.
The greatest preferred standpoint of an online course is that your classroom and educator (hypothetically) are accessible 24 hours every day, seven days seven days. Your reason for missing class is not getting on the web! Something else, everything is accessible to you. You can get declarations, get to notes, audit assignments, take hone tests, talk about inquiries, visit with kindred understudies and concentrate at whatever time you need. Other than sure due dates, you make your own timetable for finishing the prerequisites of the course.

2. Online courses offer adaptability.
You can examine whenever you need. You can contemplate with whoever you need. You can think about wearing anything you need (or nothing on the off chance that you lean toward!) Online courses give you the adaptability to invest energy with work, family, companions, noteworthy others or whatever other action you like. Despite everything you need to finish the work (and this adaptability can be your destruction; see drawbacks) however for some individuals, with ceaselessly changing work routines or individuals who make visit business trips, guardians with little youngsters, understudies nurturing others or whose wellbeing keeps them from making it to grounds all the time, understudies whose companions or sweetheart/sweetheart drop in suddenly, or for those occasions when the surf and additionally snow is insidious, this strategy for course conveyance can’t be beat.

3. Online courses convey instruction ideal to your home.
Online understudies frequently find that their family, companions or potentially kid young lady companions get included in the course. Customarily, an understudy will think about with that unique individual present. Youngsters may appreciate the online condition. Guardians may investigate the shoulder of an online understudy while they are surfing over the web. To put it plainly, everybody in the family unit gets included in learning. Having the support of your family and companions makes you more inclined to succeed.
4. Online courses offer more individual consideration.

Since you have an immediate pipeline to the teacher by means of email, you can get your inquiries addressed specifically. Numerous understudies aren’t open to making inquiries in class because of a paranoid fear of feeling doltish. The Internet (ideally) disposes of that dread (the length of you feel great with the educator). Commonly you think about a question after class or while you are examining. Or maybe that attempting to make sure to ask it or overlooking it, you can send an email to the teacher. Your chance to learn is improved.

Internet learning is a still a generally youthful industry, promising a rich eventual fate of leaps forward. New models of instructing are as of now rising that can possibly take internet figuring out how to much more prominent achievements.

  • June, 27th, 2017
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What is GST – The Positive and Negative Impact

What is GST?

The GST bill, known as the Goods and Services Tax, was introduced in Lok Sabha in December of 2014 and will be implemented from July 1st, 2017.

Under the GST bill, the Indian economy will see an economic integration. One will see all other taxes getting consolidated into one, it will restructure the indirect taxation, making the taxation process humbler. So, instead of paying, Octroi, Central Excise VAT i.e. the value added taxes etc…, including few other indirect taxes, the taxpayers will only pay one amalgamated tax.

The entire endeavour is to avoid double taxation. GST will be charged both, at Central and State levels of government, and to make submissions easier and simpler, steadily the discrepancy between goods and services will be abridged. Many developed countries have introduced such taxations for ease and suitability of the taxpayer.

GST - Introduction

GST – Pictorial Structure Application


GST will be on the ‘transaction value’, which in other words essentially means, taxes will be levied on the price actually paid or payable. The transaction value will include all other variables like the packaging cost, commission and all other expenses incurred for sales. Also, this tax will be paid at the last step, the closing point of consumption. It’s important to note that GST has two constituents, the Central GST and the State GST, thus ensuring that both the governments authorize and manage their respective taxes. This will, therefore, contribute to making the Indian economy stronger and powerful.

Benefits of the GST Bill

  • It makes the transaction more transparent. Enabling sales invoices to show, the tax applied.
  • It reduces the cost of doing business, as it eliminates all the hidden charges.
  • It will reduce the cost of things, as a result, consumption might increase, helping companies increase their production.
  • Currently, the split between taxes for manufacturing and service charge is very complicated. With the application of GST all the taxes will be integrated and perhaps it will become possible to split the manufacturing and services tax burden equally.
  • GST is applied at the final point of consumption and not at every step (like the manufacturing and retail outlets) this will help in eliminating misrepresentations and assist in the development of the common national market.
  • The tax administration will work corruption free and with transparency.
  • Beneficial impact on Centre and State Governments – experts are predicting a $15 billion a year in financial gains post implementing the GST bill. Because it is predicted to create a split of burden between the manufacturing and services/retail in taxes, it will stimulate more exports, in turn creating additional employment opportunities, aiding industrial and economic growth.

Advantage of GST

Possible Shortcomings of the GST Bill

  • Real Estate could have a negative impact, some economist predict that it will add up to 8% to the cost of new homes and reduce demand closely by 12%
  • There might be unrest amongst dealers who have been avoiding certain taxes, by only paying VAT, who will now be forced to pay GST.

Challenges in GST

There is a lot that is predicted by economic pundits, and there is a lot of dust in the air with regards to the immediate and long-term impact of the GST bill. It’s only when the dust settles, one will see where we stand. However, it can be said with surety that there will be a significant amount of transparency and ease in the taxation process for the taxpayer.

  • June, 24th, 2017
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5 Ways to Understand the Importance of Big Data

By now it is mostly common knowledge, that Big Data is essentially a large volume of information collected through myriad sources, in various formats, it is also understood that this big data has a key to all future plans and strategies that the company needs to adopt if it truly wants to succeed.

True, big data is information gathered from the internet enabled services, social media, and other similar sources. It can be typically characterised by 4 V’s…

  • Volume – it is getting vast as compared to the traditional sources through which data used to be captured
  • Variety – data comes from various sources, machine generated and people generated
  • Velocity – the speed at which this data is being generated, it is phenomenal and never stops
  • Veracity – basically the quality of data, as one has little control of the volume.

The evolution of the technology has helped organisations apply the findings, not only while strategizing but in almost every aspect of the functioning of an organisation. For internal and external benefits. Merely capturing data is not beneficial, but to understand what insights you get from that data is paramount in decision making. In the ever-evolving business environment, having historical insights is not enough, but to get accurate future predictions, using data analysis and predictive modelling and visualisation techniques is also colossally essential, mostly while developing strategies.

Big data, eliminate intuition such that all imperative decisions can be made through a structured approach, and with a data-driven insight.

To put it simply it is a broad three-step process performed in a loop. (a) Manage Data- extract relevant data (b) Perform analytics on the data – gain insights and use algorithm’s (c) Make Decisions.

Big Data can further Benefit organisations in the below mentioned 5 areas

  1. Comprehend market Conditions – through big data, organisations can predict what future customer behaviour will be, purchasing patterns, choices, product preferences. This will leverage the company, and help contest competitors.
  2. Know your Customer Better through big data analysis, companies come to know the general thought process and feedback in advance and make course corrections. Companies can reduce complaints and act on it before it becomes big. There are big data tools that predict negative emotions, prompt action can be taken to mitigate the same by organisations.
  3. Control Online Reputation – Sentimental analysis can be done through Big Data Tools; thus a company can check on what is being said by whom online and manage their online image efficiently and effectively.
  4. Cost Saving – firstly, there might be an initial cost of application of big data tools, but in the long run, the benefits will outweigh the cost. Secondly, with the application of real-time big data tools, the IT staff will be less burdened, so these resources could be used elsewhere, and lastly, the application of big data technology will make storing of data easier and more accurate.
  5. Availability of Data – Through Big Data tools, relevant data can be available, in an accurate and structured format, in real time.

The value of Big Data Insights is priceless. One needs to have the patience and discipline while application of the same. Ask the right question to gain accurate insights. With the quality of data, the possibilities are great, for businesses to flourish.

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  • June, 19th, 2017
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Why Is Professionalism Important at the Workplace


Professionalism is perhaps the most misunderstood and over described term in modern times. Therefore, it is difficult to explain the precise expectation clearly. And because we often hear how vital it is to behave “professionally” we go on with our own interpretation of the expected perception.

The customary code of conduct is our easiest adaptation on following the method of the organisation, which to us is our guide to being a professional employee. We follow guileless like the dress code, office hours, doing the given job in a timely manner, basic dos and don’ts, which are self-explanatory. One doesn’t ponder over it for long and accepts, if what is written is followed, one will be considered a professional employee.

But what to employers exactly mean by this term? Certainly, it’s good to do one’s job well and show up on time regularly. But then again are there additional things expected of you if you rightly want to be regarded as a professional?

Your employer might not tell you exactly about their idea of being professional simply because they may expect you to know about it. It may only come up when you indulge in something they term “Unprofessional” or “Unexpected”, (for instance not attending a meeting with equipment to take notes)



Ways to be considered a professional: 

Acting like or conceivably one will be considered professional if your actions and presence make others think of you as a Reliable, Competent, Dependable, Respectful, and Believer of Integrity.

Being professional would mean to be consistently good at what you do, staying true to your words, meeting deadlines dependable, to be upfront about where things stand, to approach people with respect and most importantly to be proactive in upgrading your skills, being positive, focused, not letting your personal life dominate professional, listening to what is being said, supporting others, making informed decisions.

As said earlier the definition is vast, but if genuinely thought over, the above-mentioned traits are only a few ways to building a Professional Atmosphere which has myriad advantages.

Professionalism Imarticus


  • Creates Boundaries – Workers who conduct themselves professionally avoid crossing their line with subordinates, superiors or clients
  • Creates an Atmosphere of Improvement – A professional atmosphere is more conducive to success.
  • The sense of Responsibility – In a professional atmosphere, an employee while handling a task, sees the larger purpose, and hence are able to own their actions and take appropriate decisions. One takes pride in performing the tasks assigned to them.  This adds to the overall image of not only the employee but also showcases the value by which the organisation stands.
  • Mitigates Conflicts – businesses which promote a professional atmosphere also makes it easier to deal with diverse environments in which subordinates or even clients could have a difference of opinion however they can agree to disagree and come together on common grounds.
  • Increased Job Satisfaction – Professionalism eliminates stress to a great degree and once that is taken care of an employee thrives in a healthy atmosphere leading to enhanced performance.
  • Personal Growth – Not only in terms of job advancement, but there are a certain dignity and pride in one’s work that develops. You get appreciated for consistently good quality output and that in turn builds your confidence, makes you a more secure person who is then capable of handling difficult situations with refined emotional maturity.

It is important to note that demonstrating professionalism is important at all levels in an organisation. Professionalism is not the responsibility of the leadership team but is vital at all levels. You can display professionalism in something as small as never forgetting an attachment to your emails, or writing without any grammatical errors, or in something as complex as performing a task with limited resources in the given time even when the delay was unavoidable.

Professionalism can become a part of your personality, (not keeping people waiting, being responsive etc..,) People with high levels of professionalism are most frequently considered for Job advancement.

Professionalism goes a long way in one’s personal career success as well as the success of the organisation.


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  • April, 19th, 2017
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Five Reasons Why Big Data is The Right Career Move for you…

Big data analytics

You cannot achieve tomorrow’s results using yesterday’s methods, and this line is the need to understand and accept the impact of BIG DATA and growing demands of business.

Big data means access to big information, leading to abilities in doing things you could not do before.

Case in point – a small exercise…

Before you read ahead, check the posture you are sitting in, now look around and check the posture of others sitting beside you, observe… what do you see? Someone is slouching. Someone has their legs crossed, elbows resting on the armchair, palms pressed against their chins, a constant moving of the limbs. Not everyone sitting around you has the same posture. What if we put many sensors on the chairs around you to help record and create an index, which is unique to you, which says person X sits in these particular postures during specific intervals of the day?

In addition, say what if this data was sold to car manufacturers as an anti-theft design to help recognise that the person sitting behind the wheel is not the same and say until he keys in a password the car even though entered would not start.

Now imagine what if every single car in the world had this technology, think of the benefits of aggregating this data. Maybe we would be able to predict which postures while driving would lead to an accident say in something as close as the next 7 seconds do, and alert the driver to change position or take a break from driving.

Now my dear reader THAT is the power of BIG DATA. It can help record, collect, understand, predict, and prevent events from a random collection of information.

So if that is so useful where lies the problem? Why is the world not already a better place?

Because there is a gap between opportunity and demand in skilled professionals to help comprehend and present valuable insights into specific relevant trends, big or small from the available data.

Big data is all around us and there is a calling need to preserve all the generated data for the fear of missing something that could be important. Hence, comes the need for big data Analytics, Big data is crucial to do better business, to take accurate decisions and in always being a step ahead of your competitors. Therefore, if you are a professional in the Analytics domain there is a sea of opportunity waiting for you to dive in.

Big data Analytics is Unfathomable and depending on the environment one can choose from

  1. Prescriptive Analytics
  2. Descriptive Analytics
  3. Predictive Analytics

Big Data Analytics market is predicted to surpass $125 billion in between 2015 – 2020, which in turn in some sense means handsome pay brackets for the skilled individual.

  • Salary Aspect

To improve the performance of the organisation, most companies have either already implemented or are in the process of implementing Big Data Analytics, as they already have the data at their disposal.

  • All Organisations adopting some form of Data Analytics = Growing Market

There is a big gap in skilled professionals who are able to convert the data available. The ability to see small trends from the pool of big information. Which ultimately advances the organisation in the right direction. There are two types of talent deficits. Data consultants – who have the ability to not only, understand but also use the data at hand in the appropriate way and the other is Data Scientists who can perform analytics.

  • Skill Deficit

Big data Analytics is not restricted to any specific Domain; it can be and in recent times is being used in Healthcare, Automobiles, Manufacturing and more, creating a massive global demand.

  • Global demand across industries

Analytics becomes a competitive resource for organisations, according to certain studies Analytics has already become the most important asset in current times. Because we are emerging from the undeveloped analytics trends to more advanced forms. It is undeniable that Analytics plays a vital role in decision making and taking strategic initiatives for the business.

  • Importance of Analytics for Better Decision Making in Organisation

So in deduction to the above, Analytics no matter how advanced is human dependent. These are exciting times for skilled people who can comprehend data and give valuable insights from the business point of view. A trained individual with the right Analytics insight can master an ocean of big data and become an indispensable asset to the organisation becoming a springboard to the business and their career.

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  • April, 18th, 2017
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Life-Hacks: Absolute No-Nos at an Office Party

Imagine this. You are working at an International firm and they are having another office party to celebrate the launch of a product. Universities & Institutes prepare you for the theoretical and practical aspects of the job, but what about what happens after hours?

There are a number of top Investment Banks who provide their employees with interesting benefits, like organizing a product launch, annual parties or the likes. There’s a particular code of conduct as to how one would behave at these parties and here’s a few things that you must not do or say, according to a number of dignified HR professionals.

1. Never ever think it would be acceptable to expect the office party, to be a place where you would find a date. While it is fine if you are interested in someone from your office, never extend that interest to any of your coworker’s relatives. Asking or even suggesting someone to introduce their son or daughter, or their cousin or anyone to you, in the romantic context is an absolute no-no.

2. One should always measure their words. This holds truer than ever when it comes to parties and social gatherings organized by your office. The reason for this being sometimes professionals can get way out of hand while complementing a certain co-worker. Ensure that you keep away from commenting on someone’s dressing sense or physical attributes, even if you mean it innocently.

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3. If any of your office parties involve alcohol, it’s always better to take a proper stance way before you attend the party. One thing that you want to make sure is that everyone, intoxicated or not, is able to get home safely. It is important that you either call up an Uber before, or have a designated driver. Just straight up going to someone (who you are not close to) and asking, “Can I Drive You Home?” will be absolute grounds for inappropriateness.

4. Always, always remember that it is an office party and not an informal gala which you are attending with your friends. This means that you should behave the way you would in the office. Being the person who drinks more than is necessary is something that you need to absolutely avoid no matter what.


Always ensuring to be sophisticated and poised, help in the making of a great employee and also help keep the atmosphere as positive as can be when it comes to working spaces.


We hope you liked this edition of Life-Hacks where we try to help our readers out with fun tips and tricks to survive the corporate world.


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  • January, 27th, 2017
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Top 6 Reasons To Smile At Work

A smile costs nothing, but creates much. It enriches those who receive, without impoverishing those who give. – Dale Carnegie


Psychology states that you can uplift your mood just by one simple trick, smiling. It is believed that the left cortex of our brain is the part which triggers happiness and by smiling, we stimulate it. Thus, leading to the release of endorphins, better known as the happy hormones that calm us. A lot of health experts recommend this technique to reduce anxiety and keep hypertension at bay. Smiling in general can boost your health and make you look and feel younger, it can also be your best tool at work.

Here’s a list of 6 reasons why you must smile at work

1. Smile, because you never know who’s watching you. A lot of managers believe in observing their employees, when they are off guard. A professional who is always grouchy, grumbles a lot and comes across as a possible liability to their co-workers and the environment. If your manager sees you sporting a smile and in an upbeat mood, the chances of it reflecting positively on your records are higher.

2. If you are a manager, then you definitely know how stressful team meetings can be. A lot of employees complain of not being able to be productive as they are always worried about the response from their managers. Smiling during these meetings and keeping a positive attitude can not only motivate you, but also your team mates.

3. Mondays are the official terrible days of the week. This week starter is labeled to be a day full of blues. But have you noticed that, if you turn up at you job on a Monday, in a sour mood then, your whole week follows similarly? Mondays, should definitely be the days you smile the most, so as to ensure that your whole week goes in the same upbeat manner. Remember this every Monday.

4. In lieu of enhancing employee relations, a lot of offices organize mixers or networking events. It’s surprising that most of the employees either skip these events, or turn up and spend the whole night looking into their drink. Smiles at these events lead to lighthearted conversations, which later on lead to great contacts in the industry. Who would have thought, that all you needed was a smile to be a pro at networking?

5. Every employee is given a pressure test every once in a while, the results of which may lead to a promotion or perks. The best way to ace these tests? Smile, because that way you come across as a hands-on employee, who’s never daunted by a challenging task.

6. Presentations are when everyone gets the jitter bugs. If this is a presentation that is for a great contract, which your company has been vying for lately, it can be a great pressure on you. This is the perfect time to smile and come across as someone who knows their stuff as well as is very approachable.

Imarticus Learning is an education institute, which has many comprehensive short term programs in the fields of Business Analytics, Finance and Data Science. But the thing that sets them apart from others, is the valuable career guidance and industry assistance provided to each candidate. Students have walked out of Imarticus with a smile, and walked into their new organisation with an uplifting and optimistic outlook.


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  • October, 6th, 2016
  • Posted in