Hi ZoOq, just to give you an intro to the banking industry, hope you'll find this info useful.

Contrary to what you think, banking sales is not only for "young people". What you're referring to are the financial consultants/personal bankers such as the Stanchart role. This is what we call the "mass market" whereby the clients are normal retail customers.

Most bankers in consumer banking start off as financial consultants/personal bankers for 1-2 years. Then they apply to become relationship managers (RMs) in premier/priority banking which serves clients with at least SGD 200k in their accounts. Within priority banking, there's an upper tier called the "Private Clients" segment where the more experienced RMs serve those clients with around SGD 1-5 million assets. And finally, at the top tier would be Private Banking, where the RMs (also known as private bankers) serve those with minimum SGD 5 - 10 million and above. So banking sales can be a lifelong career, and not only for youngsters.

Furthermore, there are different product specialists which advise/assist the RMs in their sales, such as the insurance sales, FX sales, advisors etc who also have sales targets to meet. All these people are under "Consumer banking"

Then there's corporate banking whereby the clients are SMEs to MNCs. In general, i would say it's slightly better to start off in corporate banking because you gain connections to the Towkays, CFOs and CEOs. It's also possible to cross over to consumer banking from the corporate side, but very difficult to move from consumer to corporate banking. Very experienced corporate bankers can also move to Private Banking or Investment Banking.

But remember one thing, there's no easy money in this world. As with all jobs, if you want to make it big, be prepared to work very very hard.