Cleared IBPS PO in 2016, RRB JE in 2016, Union Bank credit officer in 2019. Not joined in govt service in 2016, as went ahead to do MBA, Joined TATA AIG in 2018, now working as manager in underwriting. I am thinking of not joining Union Bank as credit officer, and continue to work in TATA AIG. Major reason is money, pay will be less in bank and minor reason I don't want to join Union bank is Junior scale & slow growth in career. Let me know if I am correct or wrong.