The Reality of Preparing for a Banking PO Post: Insights and Caution

Introduction

Preparation for a position as a Probationary Officer (PO) in the banking sector is a complex endeavor. For those with aspirations to enter the banking field, the allure of high salaries and job security is undeniable. However, it is crucial to be cognizant of the realities and challenges that lie ahead. This article aims to provide an unvarnished insight into the banking PO preparation process and the subsequent experience that awaits.

Frank Admission and Ground Realities

As someone who has personally navigated this journey, my advice is unequivocal: be prepared for potential disappointment. This piece will not whitewash the realities of this profession, aimed at guiding newcomers and helping them make informed decisions.

My Background: Post a successful career in a tech firm, I was drawn to the idea of serving the community. After thoroughly considering, I chose to prepare for bank exams, balancing preparations with my existing job for several months.

Personal Experience: A Journey from Preparation to Reality

My preparation journey began on April 1, 2021, culminating in clearing Prelims by October 2021. Although I was confident about securing a bank post within six months, my first year's efforts yielded only one tangible result—a position as an IBPS PO with a modest interview score. While my efforts paid off initially, subsequent attempts in SBI PO, SBI Clerk, and RRB Clerk fell through by mere margins.

One year of relentless effort culminated in success, securing a job in a top Public Sector Bank (PSB). The training phase was smooth, but joining a branch 300 km away from home marked a new chapter filled with both opportunities and challenges.

Insight into a Probationary Officer's Routine

The daily grind as a PO is predominantly focused on meeting targets. Unachievable daily targets dominate the job, creating continuous stress that can affect the quality of service and job satisfaction. My routine involved managing customer interactions, especially with around 150-200 people daily. While interactions with the poor or aged provided a sense of fulfillment, the pressure to meet targets overshadowed these sentiments.

Managing the financial targets, including the number of new savings accounts, credit cards, fixed deposits, recurring deposits, PPF, PMJJBY, PMSBY, UPI, and many more, was a herculean task. These targets are often daunting and can lead to feelings of failure even if customer service is commendable.

Challenges and Struggles

One of the most significant challenges is the heavy workload and long hours, often without personal leave. Staff shortages and management pressures can make it difficult to request time off, leading to prolonged workdays. The financial aspect is another concern. Handling large sums of money and maintaining safe levels in the vault poses risks if ignored.

The daily grind also includes emergencies, such as fire alarms and technical issues with ATM machines. These incidents demand immediate attention, often at the expense of personal time. Customer interactions can be intricate, with issues ranging from transaction disputes to service charges, further complicating an already demanding role.

Lessons and Lessons Not Learned

Realistically, it is essential to weigh the pros and cons before embarking on this path. Many colleagues in the same batch chose alternative career paths, either due to better prospects elsewhere or the recognition that banking is not for everyone. Despite all the preparation and initial success, a challenging reality awaited.

The journey of a banker is often a tale of disappointment. Many resign after six to eight months, and their stories of post-bank life are often shrouded in mystery. This uncertainty underscores the importance of thorough consideration and realistic expectations before making this career choice.

Conclusion: This article aims to provide candid insights to help aspiring bank POs make informed decisions. If you hold the fort and manage to secure a position, you may join those who, like my friend, stay committed despite initial struggles. However, for the sake of others, it is essential to prepare and understand the true nature of this profession.