Divum Corporate Services Interview Questions and Answers

Types of accounts in a bank include savings, current, fixed deposit, recurring deposit, and NRI accounts.

• Savings account: for individuals to save money and earn interest

• Current account: for businesses to carry out transactions

• Fixed deposit account: for individuals to deposit a lump sum for a fixed period of time and earn higher interest

• Recurring deposit account: for individuals to deposit a fixed amount of money every month for a fixed period of time and earn interest

• NRI acco...read more

Yes

• Yes, I have a proven track record of building strong business relationships with builders, CAs, and other channel networks.

• I understand the importance of trust and communication in building successful partnerships.

• I have successfully collaborated with builders to secure new business opportunities and maintain long-term relationships.

• I have effectively worked with CAs to ensure smooth financial transactions and compliance.

• I have established strong connections with various c...read more

NPA stands for Non-Performing Asset. It refers to a loan or advance that has stopped generating income for the lender.

• NPA is a classification used in the banking and financial sector.

• It represents loans or advances that are in default or have become delinquent.

• NPA indicates the inability of the borrower to repay the loan.

• It negatively impacts the financial health of the lender.

• NPA is determined based on the number of days a loan remains overdue.

• The full form of NPA is Non-Per...read more

As a Relationship Officer, I am knowledgeable about the various financial products offered by the company to clients.

• I am familiar with the features and benefits of savings accounts, loans, credit cards, and investment products.

• I understand the eligibility criteria, interest rates, repayment terms, and other details of each product.

• I can effectively communicate the value proposition of each product to potential customers and assist them in making informed decisions.

• I am train...read more

Managing customers involves building relationships, understanding their needs, and providing excellent service.

• Listen actively to their concerns and needs

• Communicate clearly and effectively

• Provide personalized solutions

• Follow up regularly to ensure satisfaction

• Handle complaints and issues promptly and professionally

• Build trust and rapport through positive interactions

• Offer additional products or services that may benefit them

• Maintain a positive attitude and demeanor

• Be knowled...read more