ART Housing Finance (India) Assistant Manager Operations Interview Questions and Answers

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Q1. Psychological questions
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Q2. Risk management question
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Q1. All basic questions about banking
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Q2. Tell about charge back life cycle
Ans. 
Chargeback life cycle involves the process of disputing a transaction and the subsequent resolution.
• Initiation of chargeback by cardholder or issuer

• Investigation by merchant to gather evidence

• Submission of evidence to card network

• Adjudication by card network

• Resolution and funds reversal
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Q1. Experience, Background
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Q1. Case study based question
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Q1. Explain Derivatives and its types with examples
Ans. 
Derivatives are financial instruments whose value is derived from an underlying asset or group of assets.
• Derivatives can be classified into four main types: futures, forwards, options, and swaps.

• Futures contracts are agreements to buy or sell an asset at a specific price on a future date.

• Forwards are similar to futures but are customized contracts between two parties.

• Options give the holder the right, but not the oblig...read more
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Q2. What is collateral and how will you manage if collateral dispute arise
Ans. 
Collateral is an asset or property that a borrower offers to a lender as security for a loan.
• Collateral can include real estate, vehicles, equipment, or financial assets.

• In case of a collateral dispute, it is important to review the loan agreement and documentation to determine the rights and responsibilities of both parties.

• Communication with all parties involved is key to resolving the dispute amicably.

• If necessary, ...read more
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Q3. What is margin call and how does same day settlement works ?
Ans. 
Margin call is a demand by a broker for an investor to deposit more money or securities into their account to cover potential losses.
• Margin call occurs when the value of securities in an investor's account falls below a certain level, triggering the need for additional funds.

• Investors must either deposit more funds or sell securities to meet the margin call.

• Same day settlement refers to the process of completing a fina...read more
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Q1. Given me situation with a question of how will i handle that situation with my decision making skills
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Q1. Just for formality
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Its basically a Psychometric test , which sees how one will respond in different situations.

Excel test was given related to reports

Q1. Psychological questions
Add your answer
Q2. Risk management question
Add your answer