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Jobs in financial services sector


Many large investment banks and banks managing funds of high net-worth individuals (HNI) hire Equity research analysts and offer their advice only to their clients. Entry-level job roles in the sector of financial services sector.

Equity Research Analyst

Job Description

Equity Research Analysts conduct research on stocks, organizations, and equity funds (such as mutual funds) to advice companies and even individuals on which stocks to invest in and which stocks to sell. They track company performances, the financial stability of Indian stock markets and global markets to arrive at their recommendations. There are many investors who subscribe to and study these research reports before investing their funds.

Many large investment banks and banks managing funds of high net-worth individuals (HNI) hire Equity Research Analysts and offer their advice only to their clients. There are also several broking firms which create and send these reports to their clients as a value-added service.

There are three aspects to the research—Company Fundamentals, Industry Dynamics, and Stock Market Technical Research. Company Fundamentals deal with analyses of the company’s balance sheet and profit and loss accounts. Industry Dynamics deal with competition performance, industry growth, and strategic factors.

Stock Market

Technical Research deals with the demand for, and supply of, the company stock and factors that impact the stock market as a whole, such as the exchange rate and global recession. It is well known that a stock market is very difficult to predict. Despite this, the Equity Research Analyst’s job is to study all these factors systematically and recommend—buy, sell, or hold—on the stock. Most of the Equity Research Analysts work out of specialist research firms or banks.

Typical responsibilities

I. You will spend most of the time conducting research on equity markets and specific portfolios of individual stocks. You will publish periodic (weekly or monthly) reports on findings.

II. Evaluate financial data for a company, industry, country, or region (for instance, the Asia–Pacific region).

III. Study economic trends and stock markets across the globe.

IV. Recommend reliable investment ideas to investors, traders, and companies.

V. Prepare reports of findings, illustrate data graphically, and translate complex findings into actionable recommendations.

VI. Write research notes and make, buy, or sell recommendations.

VII. Forecast capital market trends.

VIII. Attend relevant group meetings and share investment ideas.

IX. Communicate ideas and knowledge to Portfolio Managers who make the investment decision.


Certified Financial Planner

Job description

A friend of mine made good profits in a property deal and suddenly received a lot of surplus cash. He wanted to invest it in financial instruments such as stocks, debt securities, government bonds to maximize his returns but at the same time ensure that he did not erode the principle. So he made the right decision and approached a Certified Financial Planner (CFP).

A CFP, also called a PFA or Personal Financial Adviser, is someone who helps individuals or organizations plan their savings, income, and investments effectively. She/he works for the investor and is, therefore, not biased towards any investment opportunity because of the commissions offered. A CFP certification is an internationally accepted financial planning qualification recognized and respected by the global financial community.

The Financial Planning Standards Board (FPSB) of India gives CFP certification. FPSB India is an affiliate of FPSB Ltd, which is a non-profit association that manages, develops, and operates certification, educational, and related programmes for financial planning organizations around the world.

The job involves understanding the client’s risk-taking capacity, liquidity (how fast the instrument can be sold and converted to cash) needs, and offering advice accordingly. You will have to very clearly understand the risk-return ratio of various types of financial investments in this job. You should also understand the various tax benefits offered by the government for investors. Most CFPs are self-employed but there are a few who work with banks and financial services firms.

Typical responsibilities

I. Continuously promoting and marketing oneself to identify prospects.

II. Meeting prospects and converting them to become clients.

III. Reading and watching financial coverage, including the financial newspapers and financial TV channels, to stay updated on the latest developments.

IV. Meeting and interviewing clients to assess their financial situation.

V. Analysing financial markets and providing appropriate suggestions to clients.

VI. Advising on minimising the tax burden on investments.

VII. Convincing clients to evaluate new financial products.

VIII. Tracking client investments.

IX. Providing clients with periodic updates on investment portfolios, recommending and implementing changes in their portfolios.


Financial Business Analyst

Job description

Businesses rely on sound analyses of financial data, analyses of areas such as profitability, costing, and cash-flows. The role of a Financial Business Analyst is to generate reports summarising financial data for use by executives, Managers, and other stakeholders when making business decisions. These professionals require a combination of business and financial knowledge.

Let’s take an example. Your competitor suddenly drops his price by 20 per cent. Now you have to respond to this. What should you do? Should you also drop your price and by how much? Is it possible to cut costs also? What would be the impact on the company’s profits? Will lower profitability lead to cash-flow problems? The FBA’s job is to study data and answer these questions, so that the Business Managers can take the right decisions.

Typical responsibilities

I. Assisting business leaders in achieving targets, by providing timely financial advice.

II. Advising management officials to take proper decisions on financial planning and coming up with novel ideas to improve organizational efficiency.

III. Analysing business trends, preparing reports, and presenting the same to top management, clients, and stakeholders.

IV. Presenting data analysis and interpretation in clear, compelling ways.

V. Developing effective reporting tools for a business.

-T Muralidharan, TMI Group- Chairman, Columnist & Author on Careers

Author: T Muralidharan
Name of publication: Telangana Today
Date published on: 29/10/2018
published in: Hyderabad
Tags: Employability

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