Nkgsb CO-OP Bank Senior Credit Officer salaries in India

Likes

The company is open to innovation and readily adopts latest technology. I love the fact that I am a part of a team that markets reliable, high-quality products and has a global client base. As a result, I get to travel abroad, especially to the US and Canada. But on-site travel is completely dependent on your project and client’s location. Mine is a US based client and they have some offices in Toronto, hence I got a B1 visa quickly. Another plus point is that my colleagues come from various cultural backgrounds, and we work happily in collaboration. I also like the employee re-hire policy here.

Dislikes

Compensation is decent, but growth is slow. The work pressure is very high. Sometimes, I have to work 14-18 hours straight in a day as I have to attend client calls in the evening and sometimes late into the night. Managers do not value an individuals’ unique strengths, which is why I have to take back my suggestions most of the times. I do receive appreciation emails from my client, but they mostly go unnoticed during my mid-year appraisals. Also, there is no on-job training for freshers, hence senior folks like me have to guide them step-by-step, which is a pain sometimes.

Likes

.... The staff used to co-ordinate with us. The training given to me was excellent. The salary which they provide for apprentice profile is low & should increase it. Work environment was good. There was no political issues in the branch.

Dislikes

I dislike nothing about working with the bank as the staff used to co-ordinate.

Likes

Most of the staff exept few are always helpful and understanding and motivating. Till now there is not as much pressure of selling life insurance as there is in pvt sector banks.

Dislikes

Upper management is just sooo competitive and inefficient that it seems like all have been appointed by taking bribe or political influence. Work is very poorly handled by the back office departments. Your work will be done on top priority only if you know the people working in the department handling your work. Otherwise you will be kept hanging and begging for getting the work done. There is no transparency to track your work. Lot of duplication of work is required to do here which slows and brings down your efficiency and all the staff are aware of all these inefficiencies but since there is no feedback handling appetite of the old upper management the 2nd level upper management passes these shortcomings to other lower staff and the lowest level staff anyways doesn't care for the organisation since they have realised that they are working like bondage labour just for the sake of salary. As such 65 to 70 percent of staff being ladies they are good at convincing Customers to go through all the inefficient processes the bank operates in and also in sweetly forcing customers to buy all the wrong insurance products. The top level management, in all these years, have deeply ingrained in their staff to just follow the inefficient processes given to them without questioning or speaking against them that there now no process left to voice the concerns or give feedbacks to the top management. All the internal communication from higher ups is jsut one way i.e. from top to bottom these should be rather called as instructions and not communications. If you are a new joined staff you will be trained to simply take orders of the higher ups and fearing them. The higher ups have installed many of their religious community based staff in between normal staffs,who have good contacts with higher ups and act like their secret agents being in between normal staff and propagating their agenda to other base level staff and sometimes also reporting your actions. These agents will also install fear in you constantly at all occasions by giving you instances of punishment transfer and other actions being taken against the rebellious and brave staff who questioned the higher ups. In todays time this bank lacks a lot too much. Even today if by gods grace this bank decides to completely change its orthodox ways and upper level staff they can improve quickly because the base level staff are much better in their thinking, much younger and competitive. All the best to all staff and bank as whole Staff : Highly Potential Management : Highly efficient at destroying the potential. P.S. : By now you should know that there are no Exit Interviews because all the base level staff including the ones in HR have either worked at branches or are fully aware of the inefficiencies but since the management is all deaf and doesn't bother for attrition, the HR doesn't bother to introspect the reason for attrition.

Likes

Company is having good work culture and allows freedom at work place for better productivity. Company policies are good for employees and efforts are well recognized by management.

Dislikes

Growth of company is slow wrt to vintage and some middle management issues were pain points.

Likes

working here is amazing. teammates are more than just teammates. management is more transparent than any other organisations

Dislikes

experience says you must roll out to different things. politics is everywhere so this is also no exception.