Axis Bank Asset Desk Manager Interview Questions and Answers

Loans are financial agreements where a lender provides money to a borrower, who agrees to repay the loan with interest over a set period of time.

• Loans involve borrowing money from a lender

• Borrowers agree to repay the loan amount with interest over a specified period

• Different types of loans include personal loans, home loans, car loans, and student loans

• Interest rates can be fixed or variable depending on the loan agree...read more

Loan eligibility calculation for customers

• Gather customer's financial information such as income, expenses, credit score, and debt-to-income ratio

• Determine the loan amount and interest rate

• Use a loan eligibility calculator or formula to calculate the maximum loan amount the customer is eligible for

• Consider any additional factors such as collateral or co-signers

• Compare the calculated loan eligibility with the requested ...read more

The ROI of different loan products varies based on factors such as interest rates, loan terms, and borrower creditworthiness.

• ROI can be calculated by dividing the net profit by the cost of the investment.

• Factors that affect ROI include interest rates, loan terms, and borrower creditworthiness.

• For example, a high-interest loan with a short term may have a higher ROI than a low-interest loan with a longer term.

• However, l...read more

While I appreciate the role of a teller, my focus is on asset management and strategic financial oversight.

• Tellers primarily handle transactions, while I aim to manage and optimize asset portfolios.

• In my previous role, I developed strategies that increased asset performance by 15%.

• I enjoy analyzing market trends and making informed investment decisions, which is beyond a teller's responsibilities.

• My goal is to contribu...read more