Hi+Ray,+congrats+on+your+offers!

I+guess+in+general+I+would+choose+to+take+SCB+IG+as+it+is+not+just+about+working+on+"retail+banking",+while+for+IG+you+will+be+exposed+to+the+below-mentioned+streams+which+can+earn+you+an+attractive+career+as+well:+

About+Risk+Consulting,+you+may+find+the+name+itself+much+more+attractive,+but+the+truth+really+really+depends+on+which+part+of+Risk+Consulting+work+you+can+do.+Remember,+having+a+risk+consulting+title+may+help+you+to+find+an+in-house+job,+but+again+it+is+for+back-office+roles.+The+upside+for+it+is+that+you+may+be+able+to+find+a+risk+position+in+globally-renounced+financial+institutions,+and+in+most+cases,+the+exit+path+would+be+standard+banks+as+well.

I+guess+if+you+decided+to+take+the+offer+from+SCB,+I+highly+do+not+recommend+you+to+take+the+offer+from+the+Big+4+first+as+it+somehow+creates+troubles+for+the+HR+and+the+dept+as+it+wasted+their+time+to+find+a+replacement.+Please+go+ahead+with+SCB+directly+if+you+figured+out+your+choice.

About+the+grade,+"Associate"+is+basically+the+standard+offer+for+an+IG+graduate.+You+might+see+the+title+of+"Manager"+as+some+refer+it+to+their+external+client-facing+title,+or+it+is+their+job+function+that+is+named+"Manager".+So+I+don't+think+it+is+a+case+of+different+programme+graduation+offers+among+different+IGs.

Hope+the+above+helps+la!+If+possible,+please+allow+me+to+invite+you+to+share+more+about+your+interview+exp+so+that+we+can+help+future+graduates+on+their+job+hunting...please!!+