Help me select

2.10 yoe, CCTC 12LPA fixed, 2LPA VP

Offer 1 : IBM ISL - Software developer - AI/ ML full stack - 17.5fixed, 10% VP and 6L joining bonus(24 months claw back)

Offer 2 - CBA - Associate data engineer - 16LPA fixed and 20 percent VP.

CBA HR was telling me to consider CBA as its finance and learning is more there, I am not sure what to choose.

Please help considering learning first and then pay

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