Presentation for Viva

1st Year 2nd semester – Project We like

Shourav Banerjee – Apr ‘19

We Lounge
Mr. Shubhranshu Singh , CMO , VISA
Synopsis :
Mr Singh has given some lights about his journey from a Management trainee
in HUL to Chief Marketing Officer journey in VISA.
Career Path :
He has started his career as MT in HUL in 1998, his career journey in HUL
was fabulous and continuous ascending in his career graph.
From MT to Area Sales Manager , Category & Channel Manager, Further
promoted to Marketing Head Deodorant, Color Cosmetics & Skincare Lakme.
He was masterminded in Launching the product called “ Unicare” – This was
unique channel program focused on Chemist in 2004. In 2009 he launched
Unilevers global mega Branch “ CIF”.
In 2011 he joined VISA as Marketing Director, India & South Asia, Post
joining the VISA he has emphasize on Payment solution for the merchants.
Key Findings :
Transforming generic functional benefits into solutions & bringing them
alive through innovative marketing plans
Transforming shopping into great experiences through experientially
focused marketing,
Building category /brand understanding among consumers entering the
market,
Integrating all facets of the brand to engage the consumer - pre-launch to
after-sale,
Starting & sustaining consumer relationship traction
Sarang Panchal – CEO MRSS India
Synopsis :
Sarang Panchal is presently working as MD & CEO of MRSS India Ltd , while he
was sharing the story about his career journey , he stated how he has choose MBA
instead of CA , and Marketing instead Finance as specialization. H has told about his
choice in perspective of his endeavor to increase customer satisfaction by
understanding customer behavior.
Career Path :
Post completing MBA he joined and started career at P&G consumer durables giant
in 1984. Then in 1987 in MRAS Burke , later Dun Broadcast as ED in 1995. After 2
years in 1997 he joined Nielson as ED and handled forecasting Brand performance
and Advertise performance tracking.
In 2008 He became MD of Nielson Asia Pacific. In 2014 along with two more
partners he ventured MRSS India, where he is currently serving as MD & CEO. His
entire career has been associated with Market research and customer behavior
understanding.
Findings : He has expressed on few topic or subject during the interview which
mentioned in below
• He has always followed the different approaches rather following the orthodox or
common path, in respect to his career path or understanding the customer behavior.
• He always focused on the advance tools to make it out the best result , specially when
deciding on the market research outcome. I.E. He priorities the AI and customer facial
expression rather taking the telephonic or verbal feedback from customer.
• He explained and advised that we should not always focus on formal feedback from
customer as there are situation when customers are not in a position to give feedback
in response. Rather one or organization should observed his body language or facial
expression to perceive the outcome which is more accurate and genuine.
• Venturing in the new path always bring something good, if we do not see the
different perspective or if we don’t find the different way to understand customers
need we might not be able to achieve the correct perspective in respect to market
research and customer need.
Debdutta Upadhaya – Founder & CEO Timesaverz
Synopsis :
Debadutta owes it all to her effort and urge to succeed. With a strong educational
background in literature, Deb always aspired to be a journalist. Following her dreams, she
applied for a job in The Times of India, Nagpur. But she was bitten by the sales bug and
took up a career as a response executive under media-sales profile.
Career Path :
After completing her graduation, she moved to Nagpur where her professional journey
kick-started. Being a student of journalism, she took up a media sales profile.
She has since worked with some of the best media firms Times of India, Yahoo! India and
Vdopia Inc. ranging from startups to Fortune 500 entities.
she always wanted to do something on her own. Back in 2012,she started his own start up
Timesaverz. But, Timesaverz as a concept was far from her mind till a personal
experience led to its genesis.
Timesaverz :
Timesaverz is a one-stop solution for home service requirement. It connects customers to
home service providers who are certified, verified and curated. The service majorly
includes home maintenance and one-time services. On the backend, this venture is helping
unorganized home service providers get more organized which improves their standard of
living. Currently, the company reaches out to a whopping 500 plus service providers across
Mumbai and Pune who are treated with due respect and dignity.“The venture started three
years back in Mumbai; taking care of almost 70-75 per cent of home service requirements;
the company has come a long way since,”

Her key drivers : Drivers keep changing with the changing phases of life. She says that
three years back making a mark in the corporate world was her key drive, but currently her
key driver is to spend maximum time with her son who is at a growing stage and needs
maximum care, support and guidance.

Key Advice : Debdutta believes entrepreneurship comes with similar tribulations,

triumphs, wins for every entrepreneur. Having said that, she says that entrepreneurs should
never shy away from ‘leaning in’; together they can solve far more problems than
individually.
WETUBE
 Career Interface

While career is one of the most important aspect in human life cycle.
While preparing for the better and improved life in future days is the
most important and sacrosanct aspect in anyone's career goal.
There are few key tools can need to follow to make it streamlined
and seamless. Appearing interview for job is one of the most critical
and important object.
Interview Etiquette :
1. Research the Organization
It is best to gain as much information as possible about the
organization before your interview. This knowledge may give you an
advantage over other candidates. As you conduct your research, seek
answers What are the organization’s products or services? What is
unique about them? Who are their competitors?
2. Interview Attire:
A conservative, professional approach to dress for an interview will help you avoid being
screened out before you get a chance to sell yourself in the interview. While you might not agree
with the following, all are considerations for being screened out of a job interview, depending on
the organization, your career field, and the perspective of the person interviewing you. When in
doubt, be conservative, be professional, and be aware that you are selling a total package.
Appearance may be the reason you do not get a job offer! Follow the suggestions below for best
results.
3. Make a Positive First Impression :
Confirm the interview time, place, and with whom you will be meeting, including titles. Be sure
to get directions and ask about parking. Arrive about 15 minutes early so you are not rushed and
have time to collect yourself.
4. Relax, be Yourself, and Listen :
Introductions and handshakes, dress, eye contact, enthusiasm and that initial small talk with the
recruiter all help to create the first impression of you as a potential employee. Relax, be honest,
and remember that an interview is a conversation.
5. Ask the Right Questions : If you like what has been discussed in the interview, let the
employer know that you're excited about what you've heard and are still very much interested in
the position. Before leaving, be sure to thank the interviewer for his/her time. Find out about the
next step in the hiring process and when decisions will be made.
Thank You Letter :

• The thank-you letter does make a difference and can help you stand out among
prospective candidates.

• Keep your letter brief and concise. Mention the date of your interview and your
continued interest in both the position for which you interviewed and the
organization.

• Reiterate your most important skills and qualifications, how you expect to
contribute to the organization, and any unique points of interest discussed during
the interview.

• Express your appreciation for the opportunity to interview, tour the facilities, meet
other employees, etc., and confirm follow up procedures.
 DIY : Ecommerce

• What is e-commerce?
E-commerce refers to the process of buying or selling products or services over the Internet.
Online shopping is becoming increasingly popular because of speed and ease of use for customers.

Why e-commerce for small businesses?

• Selling online can help your business reach new markets and increase your sales and revenues. If
you are interested in selling to other businesses, you can use the Internet to find sales leads,
announce calls for tender and offer products for sale either through your own website or through
an e-marketplace.
• Planning for e-commerce : Moving your sales operations online requires that
you look at your business needs and information technology IT requirements
and the options available to you in order to formulate an e-commerce
implementation and fulfilment strategy. 
•Setting goals and objectives : Indicative example given below table.
• Do-it-yourself : Selling online using your own website - Setting up an online
store
This section describes what is involved in selling online vis-à-vis your own website.
In order to process an online sales transaction three things are needed:
1. Shopping cart 2. Secure server 3. Payment processing.
• E-commerce – Choosing the correct Option or segment in Ecommerce:

 
Credit Monitoring in Banks:
• Credit monitoring :
It aims at ensuring compliance of terms of pre-disbursement conditions,
keeping documents legally enforceable, end use of funds as per the loan
agreement to prevent diversion of bank funds, security offered to the bank
against advance being physically and legally recoverable, and obtaining early
warning signals of deterioration in financial health for undertaking
preventive steps.
• Sources of Information for Credit Monitoring :
In order to ensure effective credit monitoring, it is essential to examine
credit monitoring tools. At the ground level, we should periodically receive a
certified statement of actual cost of the project from the borrower.
The project loans should be disbursed as per the periodical progress reports
submitted by the borrower and subsequent site inspection done by the
branch designated person. Also all internal statement and report need to be
diligently checked before decisioning.
• Early Warning Signals : The aim of this section is to provide a list of major
early warning signals (EWS) noticed from the scrutiny of banking operations,
which are reflected in the borrower's ledger account/statement of account,
stock statement, MSOD, QIS, half-yearly / annual financial statements, site
inspection reports, minutes of loan consortium meeting, etc.
• Due Diligence in Credit and Preventive Action :
Branches have to observe due diligence in credit both at pre-sanction and post
sanction stages.
•Credit Audit :
In the context of early warning signals, credit audit report is a very important
tool. In terms of the RBI's guidelines, banks are expected to conduct credit
audit in respect of high-value advances, say of Rs 5 crore and above. This is
done internally by those executives such as inspectors who are not involved in
credit sanction to the party concerned.

Conclusion : In this topic, an attempt has been made to discuss credit

monitoring of borrower accounts, which aims at obtaining signals of incipient
sickness or loan default as early as possible and arrest slippage in the quality
of loan asset. There is a need to strengthen credit monitoring taking into
account the steep rise in the number of NPA accounts. But there are
numerous issues associated with credit monitoring.
Transformation of offline Business
Online retailing has grown steadily over the last few years. Some retailers
operate exclusively through online channels, and traditional brick and mortar
(B&M) retailers have incorporated online sales channels since the early stages
of the commercial Internet.
Today, retailers’ online channels no longer are an experiment but a relevant and
growing part of their business.
Now, some B&M retailers are exploring integration strategies for their online
and B&M channels to enrich the customer value proposition and/or reduce
costs. Online–offline integration efforts can occur in a variety of configurations.
BOPS : When consumers decide to visit a physical store to buy a product, they
face the risk that the product is out of stock , hence BOPS (Buy online and
pickup store) model is acquiring the vacant position of uncertainty.
Online–Offline Channel Integration and Related Literature :
Integration of online and offline retail channels is a very recent
phenomenon. In the early stages of online business, many traditional
B&M retailers developed online branches of their traditional businesses.
In some cases, they saw in online stores a new version of their traditional
catalog channel since there were, and still are, several similarities.
Evaluating the Impact of BOPS & Impact on the Brick-and-Mortar
Channel :
A simple approach to evaluating the impact of BOPS would be to look at
the difference in the variables of interest between the pre-implementation
period and the post-implementation period. Clearly, this approach would
not necessarily give us the right answer; many things can differ in the pre-
and post-implementation periods that are completely unrelated to
implementing BOPS. To ascertain the impact of BOPS on B&M Store “
D-Mart” is classic example where they have increased their business in
many fold with both models simultaneously. Surge in the business
happened due to BOPS model considering limitation of time and
resources in B&M model.
Robustness of the Effects :
• Understanding the Mechanism of the Impact of BOPS
• BOPS and Cross-Selling Effect
•BOPS and Channel-Shift Effect
•Channel Choice and Research Online, Purchase Offline
•Reliability of the Inventory Information
Conclusions :
Analysis of the impact of an online–offline integration strategy that offers the option of
buying items online and picking them up in a physical store shows that online sales do
not increase much but it increased the penetration for both off and online and create
the platform for future online with the implementation of this functionality.
 Meeting Etiquette
 Introduction : Here it has compiled a brief list of some of these manners, which if
kept in mind can make conferences more enjoyable for both attendees and
presenters.
Greetings and beginning of Meeting: It has to be start with positive approaches.
Bring your talk to your session moderator as soon as possible. Figure out how to use
the laser pointer and remote control ahead of time, preferably well before your
session. Practice your pace, and finish on time.
Attending : Meeting should be on the behest of the meeting convenor , need to be
well ahead of schedule time. Approached should be logical and formal. Should
provide proper introduction, take detail of the attendee with their designation .
Important points:
Remember the Person and his detail. Adhere to the same standards of behavior
online that you follow in real life. Silent your Cellphone before initiating discussion.
Respect other people's time and bandwidth. Make yourself look good and smart.
Share expert knowledge. Don’t foget to thanks for appointment and meeting.
NEWSWIRE
# 1 - FACEBOOK TOOL TO CLEAR THIRD-PARTY DATA ROLLS OUT ACROSS
THE WORLD

• Facebook has its own mechanism to use its third party partner data to
influence their own client for commercial purpose. i.e. A Facebook user
who see multiple food delivery advertisement if he has more usage of
food delivery apps.
•The new feature, part of a stepped-up effort to improve privacy
practices.
•It allows users to see and clear "off Facebook activity" used for targeted
advertising.
• The feature will lift a veil on some aspects of Facebook's practices that
including collecting data from third-party apps, Facebook logins, "likes"
and other techniques that determine its ads served up to users. 
Continued ….
• This action initiated post confession that it had shared data of
millions of users to a British consultancy which was developing
voter profiles for Donald Trump's 2016 campaign. 

• The move is part of an effort by Facebook to shore up its image

in the wake of a series of privacy scandals, including the
hijacking of personal data
# 2 - FORGOT YOUR PASSWORD? THIS WEF STUDY REVEALS NOT
HAVING ONE IS SAFER

• The new report released by the World Economic Forum said that
freeing ourselves of passwords will actually make individuals safer
and businesses more efficient

• With weak or stolen passwords accounting for an average of four out

of five global data breaches, a new study has said it is safer not to have
a password.

• For larger businesses, it is estimated that nearly 50 per cent of IT help

desk costs are allocated to password resets, with average annual spend
for companies now at over US1 million for staffing alone. 
• "Passwordless authentication does not mean removing all security
barriers to our digitalized society. It means harnessing tools such as
artificial intelligence and machine learning to save users time and save
company money," the WEF said. 
• With the growing availability of biometrics and next-generation
technology, consumers are demanding a better digital experience while
wanting to be secure online," said Adrien Ogee, Project Lead, Platform
for Shaping the Future of Cybersecurity and Digital Trust, World
Economic Forum.
•The report, produced in collaboration with the FIDO Alliance, has
suggested five top passwordless authentication technologies, ready for
implementation by global companies. They are biometrics, behavioural
analytics, zero-knowledge proofs, QR codes and security keys. 
# 3 - FOUR WAYS YOU CAN GIVE YOUR REMOTE WORKFORCE A SENSE OF
TOGETHERNESS

• In recent COVID – 19 epidemic remote workforce has became a lifeline for all
the Organisation in the world to run the business operation even in worst
lockdown of the history.
• Here’s how four of those companies have made remote employees feel part of a
close-knit team — no matter how far apart they may be.
1. GitLab encourages remote team members to take virtual coffee breaks and
even pairs them up for randomized video calls 
2. Help Scout holds monthly themed “troop talks” and encourages employees to
make video tours of their workspace at home 
3. 3. Workswell recommends making video calls more playful to create a shared
vibe for all participants
4. CleverTech’s workforce comes together through online video game sessions 
Final Thought :
• Remote work doesn’t have to be isolating. Give employees the tools
they need to build and share their culture. This can include a dedicated
channel in your communication platform, a structured meeting, or a
gaming session on company time.

• However you choose to do it, let staff know why you’re doing it and
give them the option to express their own ideas about growing the
shared culture. People want to feel connected and part of something at
work, so if you make the effort, they’ll meet you halfway.
# 4 - Exclusive interaction Niraj Ranjan Rout, Co-Founder, and
CEO of Hiver on impact of Covid-19 on the way we will work.
By People Matters

• Niraj Ranjan Rout, Co-Founder, and CEO of Hiver, a Bengaluru-based SaaS

platform which is an email collaboration product built on top of Gmail. It
helps teams of all sizes manage group emails.
Key pointers –
1. Pandemic as opportunity - Flexibility in terms of office timing and
remote work is already taking center stage. Organizations across the
world are encouraging employees to work from home, including startups
and corporates in India. 
2. 9 -5 Office culture - From tech giants like Google and Microsoft to small
startups, companies are taking precautionary measures, given the global
pandemic. That being said, as far as the 9-5 office culture is concerned, it
has already been facing challenges as more and more companies are now
focusing on productivity rather than a 9-5 rulebook. 
WFH Necessaity - Such example is the US's Covid-19 epicenter, Seattle. Many companies,
including Amazon, LinkedIn, Google and Microsoft, advised its employees to stop coming to office
With thousands of people working from home or quarantined, demand for video conferencing
software like Zoom and Google Hangouts Meet has significantly increased.
 - “It has, however, presented companies with an opportunity to innovate and adopt technology to
enable remote work - even in the future when normalcy returns.”
Employee can follow the below item to make best out of this –
1. Ensure they have a designated work spot at their house
2. Conduct more online meetings and 1:1s
3. Set timers to stretch, walk around 
4. Ensure you have a morning routine and you follow a schedule
5. Find out what works best for you and block out distracting noises.
# 5 - THREE KEY HR AND HIRING TRENDS FOR 2020

In such a dynamic, competitive market, finding the right candidate with the
desired skills and cultural values will emerge as a key challenge for all recruiters
1. The use of Artificial Intelligence (AI) will result in increased
automation - Over the years, the digital ecosystem in India has undergone a
massive shift. While this has created plenty of jobs, it has also led to a
widening gap between skills and requirements.
2. Data-driven decision making will result in more personalized hiring -
The process will become more customized and personalized for the
candidate. Tools integrated with Applicant Tracking System (ATS) and
Recruitment Marketing Software (RMS) can be used to attract, engage,
nurture and convert candidates into employees. Every candidate will then be
treated as a unique resource for the organization and the customized
‘communication experience’ can enable a candidate-friendly recruitment
process. 
3. Hiring candidates with multiple skillsets -
With certain skillsets becoming redundant as a result of AI implementation
and automation, candidates will need to be upskilled to keep pace with the
changing work environment. Job roles will continue to become multi-
dimensional and the industry will need to facilitate advance skilling of both
new and existing employees
 # 6 - CASE FOR DATA ANALYTICS IN BFSI

• The ability to use the right data effectively could make or break a company.
Given a choice between no data analysis and incomplete data analysis, the
latter would inflict more damage. Nevertheless, data analytics can eliminate
the vagaries of human judgement and make processes much more reliable,
quantifiable and cost-effective. Data analytics eases scalability, enhances
the ability to provide custom products granularly while introducing a higher
degree of predictability.

• Banks and insurance companies are enhancing their credit underwriting by

looking into new data sources, including e-commerce transactions,
insurance aggregator data, travel aggregator data, social media
conversations and more. They can take credit decisions, such as who to
give loans to and how to effortlessly collect money from customers that
have missed payments
• The banking sector appears to be the latest entrant in the adoption curve.
Collaborations with new-age start-ups will help in the seamless adoption of
technology across the sector. Establishing innovation cells intrinsic to
business will further encourage the usage of data analytics. This can be
further aided by regulatory sandboxes that encourage the effectuation of
data analytics across the gradient.
 
• NASSCOM expects the data analytics market in India to touch $16 billion
by 2025. It will only be through a fully data-driven strategy that the BFSI
sector achieves enhanced returns on customer acquisition and retention,
while transforming business operations, reducing risks and providing
seamless omnichannel services.
# 7 - NEW INCOME TAX REGIME: WHO WOULD BENEFIT
BY SHIFTING TO NEW REGIME?
• Important : Once shifted to the new income tax regime, you can't come
back to the old regime and lose the opportunity to invest to avail
deductions and save taxes.
• Illustration -

• Total Savings of 14372/- in new regime as per above case chart.

• However, under the old tax regime, someone has the option of invest in
bank fixed deposit (FD) and earn up Rs 40,000 more without any tax
outgo, as she will get up to Rs 50,000 exempted u/s 80TTB. However, this
benefit is not available under the new income tax regime, and she would
need to pay additional tax of Rs 5,200 (including cess) in the new regime.
# 8 - PSB BANKS MERGER: 10 BANKS TO BEAR THE NAME OF 4 ANCHOR BANKS

• The four bigger banks that will come into being from April 1 following the
merger of 10 banks will bear the name of the anchor banks -- i.e. Punjab
National Bank, Union Bank of India, Indian Bank and Canara Bank.
• The government has also decided to follow the Bank of Baroda-style branding
where all the merging bank logos will be displayed for higher customer recall.
For example, Indian Bank which is the anchor bank for its merger with
Allahabad Bank will retain the name. Its new brand identity will carry the logo
of both the banks, chief executive Padmaja Chunduru said.
• PNB is anchoring its merger with Oriental Bank of Commerce and United Bank
of India to create the country’s second-largest lender in terms of business size
and branch network and therefore it is going to retain its name. Similarly,
Union Bank of India is anchoring its merger with Andhra Bank and Corporation
Bank, while Canara Bank is the anchor bank for its amalgamation with
Syndicate Bank.
#9 - BLACKSTONE, SALARPURIA ACQUIRE COFFEE DAY’S PARK FOR (2,500 CR)

• Private equity major Blackstone  Group and Bengaluru-based Salarpuria 

Sattva have jointly acquired a 3.3 million square feet office park, Global
Village Tech Park, in the city owned by Coffee Day Enterprises for ?2,500
crore.
• The tech park is spread over 90 acres and falls under the Special Economic
Zone (SEZ), owned by Tanglin Developments, a wholly-owned subsidiary
of Coffee Day Enterprises. The firm is into development of technology parks
in Bengaluru and Mangaluru.
• Earlier this month, Blackstone paid the first tranche of around Rs 300
crore. The second tranche of Rs 1,700 crore will be paid within this week.
The remaining money will be transferred by the end of the year, said people
quoted above. In September last year, the board of directors of the Coffee
Day Enterprises approved the sale of Global Village Tech Park to
Blackstone.
• Sources close to the deal said private lender Yes
Bank has also issued a no-objection certificate
(NOC). Tanglin Developments, a group
subsidiary and the park’s promoter, owes the
bank ?100 crore. “The NOC came through in
January,” said a person quoted above.

• Global Village Tech Park has Mindtree,

Mphasis and Accenture amongst its marquee
clients.
# 10 - GST FAKE INVOICES MORE THAN DOUBLE IN ONE YEAR; THESE STATES
SEE MAXIMUM CASES OF FRAUD

• Even as the government aims to make GST more streamlined every day,
the fraud cases related to fake GST invoices are on a rise. The fraud cases
related to fake GST invoices have more than doubled in last year. In
FY19, there were 1620 cases related to fake invoices, which more than
doubled to 3866 cases in the current fiscal till January.

• Delhi, Haryana, Rajasthan, Tamil Nadu, and Gujarat, have detected the
maximum number of cases related to fake GST invoices. At a time when
the government is already struggling with low revenue collection, cases
of fraud are making a further dent in the government’s pocket and its
ability to spend. The government has recently introduced e-invoicing
with the aim to bring in more ease and transparency in the GST filing
process.
•  “Menace of the fake invoices is hitting the public exchequer more than what
coronavirus is hammering the public health. The government is going
through the worst phases in history whereby the financial health of
corporates, physical health of the public, and fiscal health of exchequer are
under fire at the same time,” Rajat Mohan, Senior Partner, AMRG &
Associates, told Financial Express Online. Tax authorities must identify and
apprehend tax evaders with the help of copious digital initiatives of the
government, he added.