I'm having offer with Cognizant, Wipro, and HSBC bank as Java Backend Developer with approximately 7 YOE please help me what I need to discuss in HR. And hows the work culture of HSBC and offer should ask.

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Ignore HSBC, try joining service based company in early stages of career (till 10-15 years)

HSBC as i understand from my friends have issues wrt the work, laid back culture in initial of your career will dampen ur growth and also ur learning

HR - don't compromise on CTC if they need u they will pay u, if u join captive then u should have an offer from HSBC which should be 20-30% more than service based company to accomodate you for the risk involved with exit options when u will plan to switch

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