Axis Bank Credit Card Sales Executive Interview Questions and Answers

Q1. What is the benefit of credit card?
Ans. 
Credit cards offer convenience, financial flexibility, rewards, and protection against fraud.
• Convenience: Credit cards allow you to make purchases without carrying cash or writing checks.

• Financial flexibility: Credit cards provide a line of credit that can be used for unexpected expenses or emergencies.

• Rewards: Many credit cards offer rewards programs, such as cashback, travel points, or discounts on purchases.

• Protecti...read more
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Q2. What is the difference between credit card and debit cards
Ans. 
Credit cards allow users to borrow money up to a certain limit, while debit cards allow users to spend money directly from their bank account.
• Credit cards provide a line of credit that allows users to borrow money from the card issuer.

• Debit cards are linked directly to the user's bank account and allow them to spend money they already have.

• Credit cards charge interest on the borrowed amount, while debit cards do not.

• Cr...read more
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Q3. Debit card is only used account balances.The credit card is use ful for financial aid any time at the same your account is insufficient balances
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Reasoning, quantitative skills, and English language proficiency.

Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
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Q1. How do you fund a applicant
Ans. 
Funding an applicant involves evaluating their creditworthiness and determining the appropriate amount and terms of the loan.
• Evaluate the applicant's credit history, income, and debt-to-income ratio

• Determine the appropriate loan amount based on the applicant's financial situation

• Decide on the terms of the loan including interest rate, repayment period, and collateral requirements

• Obtain necessary documentation such as p...read more
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Q2. Ratios analysis , banking analaysis
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Verbal and novarbal questions

Q1. About your self?
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Q2. Tell about your previous experience?
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IBPS takes test moderate to high

Q1. Assessment of working capital
Ans. 
Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
• Calculate working capital by subtracting current liabilities from current assets.

• A positive working capital indicates the company has enough assets to cover its short-term debts.

• A negative working capital may signal financial trouble and the need for additional fu...read more
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Q2. Why do you wan tot join banj
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Q1. Why Bank of Baroda
Ans. 
Bank of Baroda is a reputable and established financial institution with a strong presence in the market.
• Bank of Baroda has a long history of providing reliable banking services to customers.

• The bank has a strong reputation for its ethical practices and customer-centric approach.

• Bank of Baroda offers a wide range of financial products and services to meet the diverse needs of customers.

• The bank has a strong presence bo...read more
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Q2. Why wholesale Banking
Ans. 
Wholesale banking offers exposure to a wide range of industries and financial products, providing a challenging and dynamic work environment.
• Opportunity to work with diverse clients and industries

• Involvement in complex financial transactions and structures

• Exposure to a variety of financial products such as loans, trade finance, and treasury services

• Opportunity for career growth and development in a fast-paced environme
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Credit analysis - analysis of corporate fundamentals