- 1 day ago
Confused about your next step after B.Com?
This video breaks down the most valuable finance certifications and career opportunities available to commerce graduates in 2026.
Topics Covered
✅ Scope of B.Com in today's job market
✅ Career opportunities after graduation
✅ FRM Certification and Risk Management Careers
✅ US CMA Course and Management Accounting Roles
✅ ACCA Qualification and Global Accounting Opportunities
✅ CFA Charter and Investment Banking Careers
✅ Salary Comparison (₹8–25 LPA+)
✅ Which certification is best for your goals
Whether you want to work in investment banking, accounting, corporate finance, risk management, or wealth management, this video will help you choose the right path.
About Imarticus Learning
Imarticus Learning is a leading professional education company offering industry-relevant programs in Finance, Banking, Data Science, Analytics, Technology, Management, and Marketing.
Over the past decade, we have helped more than 10,00,000 learners advance their careers through expert-led training, innovative learning experiences, and strong industry partnerships.
Tags
BCom Career Options, Career After BCom, ACCA Course, CFA Course, FRM Certification, US CMA Course, Investment Banking Career, Finance Jobs, Commerce Students, Finance Certifications, Accounting Careers, Imarticus Learning
This video breaks down the most valuable finance certifications and career opportunities available to commerce graduates in 2026.
Topics Covered
✅ Scope of B.Com in today's job market
✅ Career opportunities after graduation
✅ FRM Certification and Risk Management Careers
✅ US CMA Course and Management Accounting Roles
✅ ACCA Qualification and Global Accounting Opportunities
✅ CFA Charter and Investment Banking Careers
✅ Salary Comparison (₹8–25 LPA+)
✅ Which certification is best for your goals
Whether you want to work in investment banking, accounting, corporate finance, risk management, or wealth management, this video will help you choose the right path.
About Imarticus Learning
Imarticus Learning is a leading professional education company offering industry-relevant programs in Finance, Banking, Data Science, Analytics, Technology, Management, and Marketing.
Over the past decade, we have helped more than 10,00,000 learners advance their careers through expert-led training, innovative learning experiences, and strong industry partnerships.
Tags
BCom Career Options, Career After BCom, ACCA Course, CFA Course, FRM Certification, US CMA Course, Investment Banking Career, Finance Jobs, Commerce Students, Finance Certifications, Accounting Careers, Imarticus Learning
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LearningTranscript
00:00The biggest mistake is BCom.
00:02My question to you is,
00:04are BCom graduates actually getting jobs these days?
00:07Just look around you.
00:09How many people do you know who did BCom actually landed jobs?
00:14Not many, right?
00:16And even if they are lucky enough to get a job,
00:18what kind of salary are we talking about?
00:212 lakhs, 3 lakhs per year?
00:23If you have to buy a iPhone 17 today,
00:27it will decrease 1.5 lakhs.
00:282-3 lakhs, what will someone say?
00:30So if you are not getting a decent job,
00:34what takes them?
00:35You might be wondering,
00:37will getting a high paying job after BCom
00:39remain a dream forever?
00:42Not really.
00:44Look, I know what happened has happened.
00:47But the good news is,
00:48we can fix this together, you and I.
00:51No need to panic or overthink.
00:53I've literally got examples of people who have done BCom
00:56and are now working in Fortune 500 companies.
00:59But what makes these people different?
01:02They didn't just stop at BCom,
01:04nor did they opt for the conventional CA or MBA route.
01:08Instead, they chose global finance certifications.
01:12Certifications that are recognized in more than 120 countries
01:15are easier than CA, way cheaper than MBA,
01:19and pay more than CA and MBA usually do.
01:22These four certifications are,
01:241. FRM or Financial Risk Manager.
01:28This certification is all about understanding and managing financial risks,
01:32market crashes, credit defaults, and how banks protect themselves from losses.
01:37What happened?
01:39Did you understand?
01:40Let's understand what an FRM does with an easy example.
01:44Suppose you are handed the responsibility of planning your sister's destination wedding in Goa,
01:49with a budget of 20 lakh rupees.
01:51Now, you can't just book everything blindly, right?
01:55First, you'll think, what if it rains during the wedding?
01:58Should I book an indoor backup venue or not?
02:01That is weather risk management.
02:04Then you'll consider, what if the caterer cancels last minute?
02:08Let me keep 2-3 backup caterers as well.
02:11That is operational risk management.
02:14You'll also think about money.
02:15Should I pay the full 5 lakhs to the decorator in advance?
02:18Or should I pay 50% now and 50% when the work is done?
02:22What if they take all of my money and disappear?
02:25This is credit risk management.
02:28And finally, you'll obviously keep some emergency fund.
02:312 lakhs maybe for any last minute problems.
02:35Or maybe, if extra guests show up.
02:37That's liquidity risk management.
02:40Now, an FRM professional does exactly this.
02:43But for banks and financial institutions, dealing with thousands of crores of rupees.
02:48When a big bank is giving loans, an FRM professional working there asks questions like,
02:541. What if real estate prices crash and people can't repay home loans?
02:582. What if there's a recession and 30% of customers just lose their jobs?
03:033. Should we give 1000 crore loans to one big company or split it among 100 small companies?
03:10They use complex mathematical models to calculate, if the stock market crashes by 40% tomorrow,
03:15like it did in March 2020, how much money will our bank lose?
03:194. Do we have enough backup cash to survive or not?
03:224. FRM professionals are basically the wedding planners of the financial world.
03:275. But instead of planning parties, they plan for financial disasters.
03:315. Now, let's understand what FRM professionals do.
03:355. Why do we need to do FRM?
03:36Every company, whether it's a bank, insurance company, MNC or even startup, needs someone who can protect them from financial
03:44disasters.
03:45And today's uncertain economy, risk management is in huge demand.
03:50On top of that, you don't need any prior finance experience to give the FRM exam, making it perfect for
03:56BCom graduates like you.
03:57Fun Fact
03:58After the 2008 global financial crisis, risk management was one of the professions which saw a huge rise in demand
04:05because every company needed someone to protect them from financial risks.
04:09After getting this certification, you gain access to job roles like risk analyst, credit risk manager, market risk specialist and
04:17many more
04:18with salaries starting from 9 to 12 lakhs per annum.
04:21And after 5 years, you can earn in the range of 25 to 35 lakhs per annum.
04:25It is an ideal option for individuals seeking to enter the finance industry quickly and are interested in risk management.
04:322. The U.S. CMA Certification
04:35Certified Management Accountant
04:37The U.S. CMA certification is all about strategic financial planning and decision making for businesses,
04:44basically helping companies make smarter money decisions.
04:47Now, after listening to this, you might be wondering,
04:49Que se?
04:50Ok, let's understand this through a simple example.
04:53Imagine you have been running a street food stall for quite some time now and it's going great.
04:58The profits are crazy.
05:00You save 5 lakh rupees, which you plan to reinvest into the business later.
05:04For that, you now have multiple options.
05:07You can either open a second stall, you can buy a food truck, you can hire more people or you
05:14could invest in better equipment.
05:15But which decision is going to give you the maximum profit?
05:20A CMA professional solves exactly this puzzle.
05:23But for very large companies, let's say a big food delivery company like Zomato has 100 crores to reinvest in
05:31its business.
05:31What should they do with that money?
05:33Should they expand to 20 new cities spending on advertising?
05:37Or should they improve their app or acquire a smaller competitor?
05:41A CMA might analyze that if we expand to new cities, we'll need 60 crores for setup, but it will
05:47take 18 months to break even.
05:49Alternatively, if we spend 40 crores on advertising in existing cities, we can increase orders by 35% in just
05:556 months.
05:56CMAs build detailed financial models, calculate return on investment and present options to the CEO with their recommendations.
06:05They're basically the financial strategists who ensure every rupee spent generates maximum returns.
06:13Now we understand why someone should even go for a US CMA certification.
06:17Look, every single company needs someone to manage their money smartly.
06:21No matter whether it is a start-up or an MNC, everyone wants to maximize profits.
06:26As a CMA, you become the go-to person for all financial decisions.
06:31So, the skills that come with this certification will always stay in demand and the jobs too.
06:35Not just this, the US CMA certification is recognized in 178 countries and takes 6-8 months to complete.
06:43So, it won't take a lot of time making it simpler and convenient.
06:46With this certification, you can get roles like financial analyst, budget manager, corporate controller, etc.
06:53Where the salaries start from 8-10 lakhs per year.
06:56And after 5 years of experience, a CMA earns easily around 20-30 lakhs per annum.
07:01Most importantly, you'll sit in the boardrooms, helping and advising the C-suit leaders making financial decisions.
07:08Something which takes really long otherwise, if you opt the conventional route.
07:12Number 3.
07:14ACCA
07:14Association of Chartered Certified Accountants
07:17This is one of the oldest and most prestigious global accounting and finance certifications,
07:22covering auditing, taxation and financial reporting, all in accordance with the international standards.
07:27Picture this.
07:28You're buying a second-hand car and the seller claims,
07:32It's all the first-hand condition.
07:34It's only 20,000 km.
07:35It's never happened.
07:37But you're smart.
07:38You check the odometer.
07:39You look for scratches.
07:41You verify insurance papers.
07:43Maybe even take it to a mechanic to check.
07:45You don't just trust the seller's word, right?
07:48That is exactly what an ACCA professional does, but with companies instead of cars.
07:53When a company announces, we made 5,000 crore profit this year, an ACCA qualified financial professional
08:00analyzes the financial statements to see if the numbers are actually making sense and if they're matching.
08:06They check if revenue is being recognized correctly, if costs are classified transparently,
08:12if tax obligations are being met and whether international accounting standards are being followed or not.
08:17They also dig through thousands of transactions, asking sharp questions like,
08:22Why did the CEO's salary suddenly jump from 2 crores to 20 crores?
08:26Where did this 500 crore miscellaneous expense go?
08:30Why is land worth 100 crores still recorded at 10 crores from years ago?
08:35They ensure companies present a true and fair picture to investors, leaders, regulators and even stakeholders.
08:41And all of that matters.
08:43Because lack of oversight and weak financial reporting and governance is what leads to corporate scandals like the Satyam Scandal.
08:51In this example, you will understand what the ACCA is doing and why their job is so important.
08:56Let's now look at why someone should go ahead with an ACCA certification.
09:01To start with, ACCA is literally the global passport for accounting professionals.
09:06It's recognized in 180 countries, which means you can work anywhere in the world.
09:11Whether you want to work in cities like London, Dubai, Singapore or just stay in India,
09:15your ACCA qualification opens doors everywhere.
09:18Plus, with the increasing focus on transparency post-Covid,
09:22companies desperately need financial professionals like ACCA,
09:26who have a strong understanding of international reporting standards.
09:29An ACCA certification usually takes between 18 to 24 months to complete,
09:33but you can complete it sooner if you have a BCom degree,
09:36where you get exemptions for up to four papers.
09:39After completing ACCA, you can explore roles like financial manager, risk and compliance specialist,
09:44tax consultant, business analyst and more.
09:46The salaries start around 12 LPA and within five years,
09:50it's not unusual to cross even 30 lakhs per annum.
09:54Finally, the last one, number four, CFA.
09:57Chartered financial analyst, the most comprehensive.
10:00To make you understand what a CFA does, I'll give you the best example possible.
10:05Suppose you're an IPL team owner and you're sitting at the auction table.
10:09And for this example, consider every player is available in the auction.
10:12You have a 100 crore purse to buy players for your IPL team.
10:16Now, you can't just randomly pick players because they look good.
10:20You need to analyze.
10:21Virat Kohli costs 18 crores, but his strike rate in the last two years is declining.
10:26Should I pick him or go for a younger player like Abhishek Sharma who costs 14 crores,
10:31but has better recent performance?
10:33You can study pitch conditions.
10:35In Chennai, spinners perform better.
10:37So I need three good spinners.
10:39You also analyze opponent teams.
10:42Mumbai, Hyderabad, Lucknow have good batting.
10:44So I need good death ballers.
10:46You balance experienced players with young talent,
10:49consider injury histories and even create the perfect combination within this budget.
10:53A CFA professional performs a similar role,
10:56focusing on stocks and investments instead of cricket.
10:59When someone gives them 50 crores to invest, they don't gamble.
11:03They research every company like you research cricket players.
11:06Reliance ka PE ratio kya hai?
11:08TCS ka revenue growth sustainable hai ya nahi?
11:11Banking sector mein recession ka impact kya hone wala hai?
11:14They analyze market trends.
11:16Technology stocks are overvalued right now.
11:18So better invest in healthcare.
11:20They study global economics.
11:21If the US Federal Reserve increases interest rates,
11:24it will affect national IT stocks negatively.
11:27They create diversified portfolios balancing growth stocks,
11:30value stocks, bonds and international investments.
11:33Samjha, CFA's kya karte hai?
11:35Now let's walk through why someone should invest in a CFA certification.
11:39Firstly, CFA is considered as a gold standard qualification in investment banking and portfolio management.
11:45So, if you want to work for giants like Goldman Sachs, Morgan Stanley or manage funds for ultra rich clients,
11:52CFA is the smartest way to get there.
11:54With recognition in over 120 countries, the ROI for a CFA certification is massive,
11:59both in terms of salary and even respect in the industry.
12:02Once you become a CFA charter holder, you become part of an elite global community.
12:07The CFA certification usually can be completed in 24 months and gets you into roles like investment banker,
12:14portfolio manager, quantitative analyst, etc.
12:17A CFA charter holder can start earning anywhere from 20 LPA and within 5 years of experience,
12:23can easily earn more than 50 lakhs per annum.
12:26Now, out of these 4, FRM is the easiest to crack if you want quick results,
12:31while CFA is the most comprehensive and highest paying in the long run.
12:34The choice depends completely on your goals and how much time you want to invest.
12:40The best thing about all these 4 certifications is that they have a high passing rate,
12:45they are way better than CA, they take lesser time and are less expensive than an MBA
12:49and have better starting salaries.
12:52And you can study for them while you're working somewhere too.
12:55The bottom line is to start looking at your BCom degree as a foundation and not as a mistake.
13:01These certifications will build on top of that BCom foundation.
13:05Examples like Mihir, Bharti and Sanjana started exactly where you are right now.
13:10The only difference is they took an unconventional path but a smarter one.
13:14If you are considering preparing for any of these certifications, why not prepare with the best?
13:19Other prep providers might just teach you.
13:21But Imarticus's certification preparation programs in collaboration with KPMG directly,
13:27give you industry aligned training through real world scenarios,
13:31something which employers essentially require in today's employees.
13:35Don't wait. Click the form in the description below, pick the right certification for you,
13:40and connect with our expert counselors for the right guidance.
13:44Remember, it's not about where you started, it's about where you're heading.
13:48And trust me, with the right certification, you're heading straight to the top.
13:52Weiiiis Jack Seater 2 on people of thought.
13:52Do a second line is you students doing board learning Smash 2 on peoplezel.
13:52And the next millimeter is a report on the rightung.
13:53So we'll be doing a hundred book here.
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