Conflict between business team and credit team in banks

Business wants growth. Credit wants control. And somewhere between the two, the real battle of banking begins. In this video, we discuss one of the most common and misunderstood conflicts inside banks — the conflict between the **Business Team and Credit Team**. 1. Why does Business feel that Credit is unnecessarily conservative? 2. Why does Credit sometimes feel that Business is only interested in achieving targets? And most importantly — *who is actually right?* In this video, I explain the practical reasons behind Business vs Credit conflicts and how both teams look at the same borrower from completely different perspectives. We will discuss: • Business team's focus on growth, revenue, relationships and targets • Credit team's focus on risk, repayment capacity and asset quality • Why Business may push for a proposal while Credit raises concerns • Why Credit sometimes appears excessively conservative • The difference between sales mindset and risk mindset • Target pressure and its impact on credit decisions • Relationship with the borrower vs objective credit assessment • How disagreements between Business and Credit should be handled • Why neither Business nor Credit can operate effectively in isolation • How experienced bankers balance business opportunity with credit risk • How Credit Managers and Relationship Managers can work together better The objective is not to decide whether Business or Credit is right. The objective is to understand *why both teams think differently — and how a good bank balances growth with risk.* This video will be particularly useful for *Credit Managers, Relationship Managers, Bankers, Credit Analysts, Branch Managers, Corporate Bankers, Risk Professionals and banking aspirants preparing for interviews.* If you work in banking, you have probably experienced this conflict yourself. *Business says: "We will lose the customer."* *Credit says: "We will lose the money."* The real skill is knowing how to balance both. Subscribe to *CA Ankush Jain* for practical banking, credit analysis, financial analysis and corporate banking content. #Banking #CreditRisk #BusinessVsCredit #BankingJobs #CreditManager #BankingCareer #CreditAnalysis #RiskManagement #CorporateBanking #Bankers #RelationshipManager #BankingKnowledge #CreditManagerInterview #BankingInterview #BankingProfessionals #RiskAndCompliance #CommercialBanking #CorporateCredit #BankingLife #Finance Join this channel to get access to perks:    / @ankushjain   business vs credit in banking, business vs credit team, business and credit conflict in banks, credit vs business banking, business credit conflict, banking business vs credit, credit team in banks, business team in banks, credit manager, credit manager role, relationship manager vs credit manager, RM vs credit, credit risk management, banking credit risk, banking jobs, banking career, banking interview, credit manager interview, credit analysis, corporate banking, corporate credit, commercial banking, risk management in banks, banking explained, banking industry, banking professionals, credit appraisal, loan approval process, credit decision making, business targets in banks, bank target pressure, banking target pressure, risk vs business, business growth vs risk, credit risk vs business growth, CA Ankush Jain