Junior bankers: document EVERYTHING. Every verbal instruction, every meeting. The day things go wrong your seniors will remember nothing. Your paper trail is your only protection.
Single-handedly retained a Rs.50 Cr portfolio customer about to move to a private bank. Nobody clapped, no increment. Just a good job email. But I know what I did.
My manager takes credit for every good appraisal I write, but the moment a file goes bad it is MY mistake. This culture of stealing credit while pushing blame is killing talent in PSU banks.
We catch fraud every week. Most of it is internal. The real crisis nobody talks about is not NPAs -- it is the culture of silence around ethical failures in our own branches.
I approved a Rs.2 Cr loan based on trust. The account went NPA in 6 months. Destroyed my track record of a decade. One bad call can erase a hundred good ones.