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Work-Life Balance

Job Security

Income Potential

Work Culture

Importance of Education


Profile Details
Name – Chandan Kumar Baidya
Profession – Banking
Designation – (Retired) Chief Cashier
OrganisationUnited Bank of India
Age – 62
City – Kolkata
Work Experience (Years) – 37
Under-Graduation – B.Sc., Co-operative College, Jamshedpur
Professional Qualification – 2 Year Computer Course

Please give us a summary of your Career.

My first job was at Railways. I got into Railways in 1976 for a clerical job and was posted in Jamshedpur Railway station. My work was primarily office work which dealt with railway network terminals and other details regarding the coaches and wagons.
I worked for Railways for four years from 1976 – 80. Then I took up a job as a Cashier in 1980 at the Royal Exchange Branch in United Bank of India. I worked there for a number of branches for approximately 37 years. And then I retired as the Chief Cashier in 2015.

What were your Job Responsibilities as Chief Cashier?

As I was the Chief Cashier my primary job responsibility was to deal with the monetary accounts of our customers at the bank. My job was to keep a record of their credits, deposits and overall accounts.
My Job Responsibilities as Chief Cashier also included responsibilities like checking their collaterals and advancing them loans. Other than that, my job responsibilities included handling of net profit and operating profit of the firm and banking half-yearly and yearly closing. Another main responsibility was to check ATM machines when currencies were filled in them. The supervision on behalf of the bank was to ensure avoidance of any malpractices.

Average Income in this Profession in the current scenario

Starting out/Fresher – 2-5 Lakhs Per Annum
5 Years of Experience – 2-5 Lakhs Per Annum
10 Years of Experience – 5-10 Lakhs Per Annum
15 Years of Experience – 10-20 Lakhs Per Annum
20 or more Years of Experience – 10-20 Lakhs Per Annum
How do you rate the Income Potential in your career?
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Work-Life Balance

On an average, being the Chief Cashier how many hours did you work per day?
7-9 hours
On an average, how many days in a week did you work?
6 days
Being the Chief Cashier how often were you required to work in night-shift?
Did your work require you to travel?
Did your work require you to relocate to different town/cities?
How would you consider the job security in your profession?
Very Secure
Would you consider this Profession Risky?
Not Risky

Overall, how would you rate Work-Life Balance in your Profession?
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Overall, how would you rate Job Stability of your Profession?
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What are the different ways of entering this profession?

The only way to enter the banking sector is through competitive exams. Banking Service Recruitment Board recruits for many banking posts.


How would you rate Stress-Level in your Profession?
As it should be
How would you rate your office/work infrastructure?
How would you describe your co-workers?
Very Helpful
Generally speaking, your work was
Office Work
Overall, how would you rate Work-Culture in your Profession?
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Importance of Education in Your Profession

Would you say that Education from top School/College plays a major role in the success in this Profession?
What level of Education is sufficient to be successful in this Profession?
Graduation in Relevant Stream
Would you say that Studious students are generally successful in this Profession?
How would you consider the Cost of Education post 12th?
At present, which institutes are best for the education of this profession?


What is the cost of education (post 12th) of this profession at present?


Overall, how would you rate the role of Education in your Profession?
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According to you, what kind of person is likely to be Happy & Successful in the Banking Sector?

First Personality Trait – Energized by people, enjoy a variety of tasks and good at multitasking
Second Personality Trait – Focus on facts and details and apply past experiences to come up with practical solutions to problems
Third Personality Trait – Prefer to make decisions using logic by weighing the pros and cons
Fourth Personality Trait – Prefer to be organised and stick to plan
Fifth Personality Trait – Prefer routine and stable life
Sixth Personality Trait – Prefer to be easy-going and flexible with life
Seventh Personality Trait – Prefer to be cooperative and compassionate
Eighth Personality Trait – His/Her Family and Friends agree that S/he is usually relaxed, calm and happy
Please provide details
As this sector does not offer many surprising or unexpected experiences or instances, one who is organized, and hardworking can do well. However, the ability to listen and cooperate is very important in this job. One must keep his perception open to options in order to deal with the crisis if ever so happens.

What are some of the positives, which would encourage someone to join the Banking Sector?

The most common incentive that draws people to this sector is the minimal amount of physical exertion and the salary package that comes with it.
Job in this sector require very low physical activity as almost all of it is desk work. In today’s world, where people run about for the whole day for a mere thousand rupees, this sector gives a considerably good package without the exertion.
It is also because of the high job security that people prefer bank jobs. Also because people enter this sector through merit, they gain recognition and respect in the society.

What are some of the negatives that you would want someone to be aware of when considering a career as Chief Cashier?

The most common problem that is seen in this sector is at the time of loan repayment. Many people deny or procrastinate returning loans because of which the bank officers have to repeatedly ask or sometimes warn the defaulters.
Also, there is immense pressure during March which marks the end of our fiscal year. Long hours of desk job also sometimes affect the health adversely by straining the eyes and affecting joints and muscles.

Recognition in your Profession

What is your family’s view of your Profession?
My Family is Impressed
What is Friends’ view of your Profession?
My Friends are Impressed
What is Society’s view of your Profession?
Society is Impressed
Overall, how would you rate the Recognition aspect of your Profession?
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General Information of your Profession/Business

What kind of family’s financial background can maximize success in this profession?
It Doesn’t Matter
What is the ease of starting own business in this field?
Very Difficult
How easy is it to move to a different country in this profession?
Now you have several years of work experience and you have seen professions of others. If you are taken back to 10th/12th class and allowed to pick a profession, then which profession will you pick and why?

I would have taken the profession of a teacher because I loved teaching children.

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