1. Banking is a vast field. You have Retail/Branch Banking, Corporate and Government Banking, Investment Banking etc. Each profession has its own pros and cons.
  2. As Banking is dependent on Economy, therefore, one should be flexible and adapt to changing Economy.
  3. This profession provides for a lot of money and growth as the world is getting even more dependent on banking.
  4. However, it is a very system-oriented & guidelines-driven profession, so many may find this profession boring after some years of experience.

Personal Details

Name – Vishnu Kant

Profession – General Manager of Govt. and Corporate Banking at ICICI Bank

Age – 48 years

Gender – Male

City – New Delhi

Industry – Banking

LinkedIn –

Where have you been born and raised?

I was born and raised in Meerut in Uttar Pradesh. I have one elder brother and one elder sister. After my schooling, I went to the University of Roorkee (now called IIT Roorkee) for engineering.

IIT Roorkee

My mother was a school teacher in JAV Girls Inter College. My father served in the UP government as a Block Development Officer. That is a part of the administration at a block level.

Who all had the most influence on you and how?

My biggest inspiration was my maternal uncle; a successful businessman who rose from a very humble background and studied in the best colleges and managed to set up a global business in those days. That is why I always look up to him.

Please give us a summary of your career.

I did my Bachelor of Engineering in Civil Engineering from IIT Roorkee in 1990. After which, I worked at HPCL for two years.

In 1992, I did MBA from Faculty of Management Studies, Delhi University.

Then, I joined as an Assistant Branch Manager at GLFL Limited where I worked till October 1998. Then I was a Leasing Manager at Xerox until August 2000.

Then I joined as Assistant Vice President at Citi group. In 2004, I was promoted to Vice President and I stayed there till 2006.

Then I joined as Director at Standard Chartered Bank. In May 2010, I joined ICICI Bank as their Joint General Manager in Corporate and government banking.

Which institutes are best for the education/training of this profession?

If one wants to get into banking, one should look at the institutes that give out degrees in Economics, Commerce or Management. Some of the famous institutes that I can think of are the University of Delhi and the Indian Institute of Management.

What are the costs associated with the education/training of this profession?

It depends from institute to institute. If it is DU, it should be around INR 15 thousand per annum. For IIMs, it should be around INR 8 lakhs per annum. Private institutes cost much higher.

What are the typical entry-level jobs in Banking?

After completing MBA you get various types of jobs at various levels. In banking, you start as a junior or assistant manager.

What is the range of remuneration one can expect when starting out in your line of career & industry?

5–10 years’ experience — 15 to 30 lakhs INR per annum

10–15 years’ experience — 50 lakhs INR per annum

20+ years’ experience — 75 lakhs INR per annum

Please describe your work.

I work 10 hours per day for 5 days a week. As a joint manager, my job is to solve simple business issues and even complex market problems. I am also expected to resolve team issues. I have to meet clients and government officials on a daily basis and work towards maximum consumer satisfaction.

What are some of the positives, which would encourage someone to consider this career/job?

  1. One advantage of banking is the wide exposure that this job gives you especially of the economy and the society.
  2. You get an opportunity to manage large teams and large projects. It makes you handle rough and tough situations.
  3. The income is obviously really good.
  4. There are several opportunities in this profession, so you will grow.

What are some of the challenges that you would want someone to be aware of when considering this career/job?

  1. I would say it is a little monotonous. It is highly system oriented. Everything is set in stone and follows a system and you cannot work outside the system.
  2. It is not adventure oriented. It does not provide you with the thrill of taking a risk.
  3. Travel options are limited. You receive slim to none perks from the government.
  4. If you haven’t managed to reach a managerial level, your work as a clerk is not only boring but less rewarding.

What are the relevant trends/skills/technologies that are currently commanding a premium in your job profile?

One must be fully aware of the blockchain technology and fin tech which really helps in this field.

What kind of person would be happy in your career?

A person who is sincere and disciplined and relatively grounded would definitely enjoy this job.

Given another choice, what would you do differently as far as your professional selections are concerned?

I would have set up a business of my own. I don’t really have an idea about what kind of business though.

What would be your advice to students or professionals who are just starting their journey on a path similar to yours?

For long-term success, you need deep and sincere efforts with patience that only pays.

Interested in knowing more about Banking Profession? Get Insights from Assistant Vice President of DBS Bank Ltd.