Hi Fishes,
I'm senior business analyst with 9.3 YOE.
Please suggest me which one to choose
IBM: 20.7 LPA Fixed and 1.5 JB
HSBC : 22 LPA Fixed
Both have promised that they have variable pay component which is not mentioned in offer letter.
Which one would be better in terms of WLB and annual hike?

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IBM would be better any time...HSBC will have work in Banking area. Scope will be more in IBM..

But in HSBC you will the work for the HSBC applications only, IBM has n number of Banks, Insurance and Financial services as their customers..so your learning curve will be high..

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