80+ T&M Services consulting Interview Questions and Answers

Yes, I have experience in cross-selling and can effectively identify opportunities to increase sales.

• I have a proven track record of identifying cross-selling opportunities and successfully closing sales.

• I am knowledgeable about the products and services offered by the company and can effectively communicate their benefits to customers.

• I am skilled in building relationships with customers and can use this to identify their needs and offer relevant products or services.

• I am co...read more

Customer handling the request refers to the process of addressing and resolving customer inquiries, complaints, and requests.

• Listening actively to the customer's concern

• Empathizing with the customer's situation

• Offering solutions or alternatives to resolve the issue

• Following up with the customer to ensure satisfaction

• Maintaining a positive and professional demeanor throughout the interaction

Yes, I have made sales before.

• I have experience in sales from my previous job as a sales representative.

• I consistently met and exceeded my sales targets.

• I have also participated in sales training programs to improve my skills.

• One example of my successful sales experience was when I closed a deal with a new client, resulting in a 20% increase in revenue for the company.

I handle books of various sizes, from small pocket books to large coffee table books.

• I am comfortable handling books of all sizes.

• I have experience shelving and organizing books of different sizes.

• I am familiar with the different shelving requirements for various book sizes.

• Examples of book sizes I have handled include pocket books, trade paperbacks, hardcovers, and coffee table books.

I have experience with various banking tools and possess a strong knowledge of banking operations.

• Proficient in using banking software such as Fiserv, Jack Henry, and Oracle Flexcube

• Knowledgeable in financial products and services offered by banks

• Familiar with regulatory requirements and compliance standards in the banking industry

• Skilled in analyzing financial data and preparing reports for management

• Experience in managing customer accounts and resolving issues efficiently

A commercial bank is a financial institution that accepts deposits, offers loans, and provides other financial services to individuals and businesses.

• Commercial banks are for-profit institutions that generate revenue through interest on loans and other fees.

• They offer a range of services including checking and savings accounts, credit cards, mortgages, and business loans.

• Examples of commercial banks include JPMorgan Chase, Bank of America, and Wells Fargo.

• They are regulated b...read more

To extend the business of the bank, I will focus on building strong relationships with existing customers and acquiring new customers through effective pitching and offering a wide range of loans.

• Building strong relationships with existing customers

• Acquiring new customers through effective pitching

• Offering a wide range of loans

• Providing personalized financial solutions

• Implementing targeted marketing strategies

• Leveraging technology for efficient customer service

• Collaborating w...read more

Factors such as GDP growth, inflation rates, government policies, and global trade relations can affect India's economy.

• GDP growth rate: Higher growth rates indicate a strong economy, while lower rates may signal a slowdown.

• Inflation rates: High inflation can erode purchasing power and affect consumer spending.

• Government policies: Changes in policies related to taxation, subsidies, and regulations can impact businesses and investors.

• Global trade relations: Trade agreements, t...read more

The digital shift in the world will revolutionize the banking system, offering convenience and efficiency to customers.

• Increased use of online banking platforms and mobile apps for transactions

• Implementation of AI and machine learning for personalized customer experiences

• Enhanced cybersecurity measures to protect customer data

• Introduction of digital currencies like Bitcoin impacting traditional banking services

Sales and housing loan industry involves selling and financing properties to individuals and businesses.

• Sales in the housing loan industry involve promoting and selling properties to potential buyers.

• Housing loan industry provides financing options to individuals and businesses for purchasing properties.

• Knowledge of various loan products, interest rates, and repayment terms is essential in this industry.

• Understanding the local real estate market and property values is importa...read more

Selling techniques involve understanding customer needs, building rapport, highlighting product benefits, and closing the sale.

• Understand the customer's needs and preferences

• Build rapport and establish trust with the customer

• Highlight the unique features and benefits of the product

• Overcome objections and address any concerns the customer may have

• Close the sale by asking for the customer's commitment

Banks are financial institutions that provide various services such as accepting deposits, lending money, and facilitating financial transactions.

• Banks accept deposits from individuals and businesses, which can be withdrawn or used for various purposes.

• Banks lend money to individuals and businesses in the form of loans and credit.

• Banks facilitate financial transactions such as wire transfers, issuing checks, and providing debit and credit cards.

• There are different types of ba...read more

I chose Axis Bank over other banks because of its strong reputation, extensive range of products and services, and commitment to customer satisfaction.

• Axis Bank has a solid reputation in the banking industry for its financial stability and ethical practices.

• The bank offers a wide range of products and services, including retail banking, corporate banking, and wealth management, which provides ample opportunities for growth and learning.

• Axis Bank has a strong focus on customer...read more

A savings account is a type of bank account where you can deposit money and earn interest on it.

• Savings accounts are typically used for long-term savings goals, such as buying a house or saving for retirement.

• They usually offer lower interest rates than other types of accounts, but they are also less risky.

• Some savings accounts have minimum balance requirements or fees for withdrawals.

• Interest earned on savings accounts is usually taxable.

• Examples of savings accounts include ...read more

To handle sales techniques and customer dealing, one must have good communication skills and knowledge of the product.

• Develop a strong understanding of the product or service being sold

• Listen actively to the customer's needs and concerns

• Tailor the sales pitch to the customer's specific needs

• Be confident and persuasive in presenting the product or service

• Follow up with customers to ensure satisfaction and build long-term relationships

A Relationship Manager is responsible for managing relationships with clients to ensure satisfaction and retention.

• Building and maintaining relationships with clients

• Understanding clients' needs and providing solutions

• Acting as a liaison between clients and the company

• Monitoring client accounts and addressing any issues

• Cross-selling products or services to clients

• Developing strategies to increase client satisfaction and retention

Fundamentals of insurance include risk management, underwriting, and claims handling.

• Risk management involves identifying and assessing potential risks that may result in financial loss.

• Underwriting involves evaluating the risk and determining the premium to be charged.

• Claims handling involves investigating and settling claims made by policyholders.

• Insurance policies are contracts between the insurer and the policyholder, outlining the terms and conditions of coverage.

• Types o...read more

To sell extra product with the core product, identify customer needs, demonstrate value, offer package deals, provide incentives, and use upselling techniques.

• Identify customer needs and preferences to understand what additional products they may be interested in.

• Demonstrate the value and benefits of the extra product, highlighting how it complements the core product.

• Offer package deals or bundles that include the core product and the extra product at a discounted price.

• Provi...read more

To help in growing in the sector, one must stay updated on industry trends, build strong relationships with clients, and continuously seek opportunities for business expansion.

• Stay updated on industry trends and market changes

• Build strong relationships with clients to understand their needs and provide tailored solutions

• Continuously seek opportunities for business expansion through networking and market research

HNIs are high net worth individuals who require personalized attention and customized solutions.

• HNIs have a high net worth and require specialized financial services.

• Relationship managers need to provide personalized attention and customized solutions to meet the unique needs of HNIs.

• HNIs may have complex financial portfolios and require expert advice on investments, tax planning, and estate planning.

• Relationship managers must build trust and maintain strong relationships wit...read more

To sell Axis Bank account, highlight its benefits and features.

• Emphasize on the convenience of online banking and mobile app

• Highlight the attractive interest rates and rewards program

• Mention the wide network of ATMs and branches for easy access

• Offer personalized solutions based on the customer's financial needs

• Provide excellent customer service to build trust and loyalty

It is difficult to estimate the exact number of pizzas that will be sold each month if Pizza Hut comes to IIT Kharagpur.

• The number of pizzas sold will depend on various factors such as the popularity of Pizza Hut among students, the pricing strategy, the quality of the pizzas, and the competition from other food outlets on campus.

• One way to estimate the demand for Pizza Hut pizzas is to conduct a survey among the students to understand their preferences and willingness to pay...read more

Yes, the bank provides financial services such as loans, savings accounts, investments, and more.

• Banks offer various financial products and services to customers

• They provide loans for personal, business, and mortgage purposes

• Banks also offer savings accounts, investment options, and credit cards

• They facilitate money transfers, currency exchange, and other financial transactions

Highlight unique selling points and offer a trial period.

• Emphasize the unique benefits of our product

• Offer a trial period to showcase the superiority of our product

• Provide testimonials from satisfied customers

• Address any concerns or issues with the current product

• Offer a competitive price or bundle deal

I primarily use Java and SQL in my work as a Branch Banking Officer.

• Java is used for developing banking applications and managing customer data.

• SQL is used for querying and manipulating data in the bank's databases.

• Other programming languages like Python and JavaScript may also be used for specific tasks or projects.

• Knowledge of programming languages helps in automating processes and improving efficiency in banking operations.

Sell credit cards by highlighting benefits and convenience for the customer.

• Explain the rewards and cashback offers associated with the credit card.

• Emphasize the convenience of making purchases without carrying cash.

• Highlight the security features of the credit card for safe transactions.

• Offer personalized recommendations based on the customer's spending habits.

• Provide information on exclusive deals and discounts available for credit card users.

CASA stands for Current Account Savings Account. It refers to the combination of a current account and a savings account offered by banks.

• CASA is a type of bank account that combines the features of a current account and a savings account.

• It allows customers to enjoy the benefits of both types of accounts, such as easy access to funds and interest on savings.

• Banks use CASA deposits to fund their lending activities and earn interest income.

• Example: A customer can deposit money...read more

Customers can be handled by active listening, empathy, problem-solving, and effective communication.

• Listen actively to their concerns and needs

• Show empathy and understanding towards their situation

• Offer solutions to their problems

• Communicate effectively and clearly

• Maintain a positive and professional attitude

• Follow up with them to ensure their satisfaction

• Handle complaints and conflicts with patience and diplomacy

It is impossible to accurately determine the total number of bulbs in the city of Jaipur.

• There is no centralized database or record of all the bulbs in the city.

• The number of bulbs is constantly changing due to maintenance and replacement.

• The number of bulbs also varies depending on the time of day and season.

• It would require a comprehensive survey of the entire city to even attempt to estimate the number of bulbs.

• Even then, the estimate would likely be inaccurate due to the ...read more

We have provided the customer with regular updates on the progress of their project.

• Regular updates have been given to the customer regarding the project.

• The customer has been informed about any changes or developments.

• Communication has been maintained to keep the customer updated.

• Examples: Weekly progress reports, email updates, and phone calls.

Sales and marketing go hand in hand, with marketing creating awareness and interest, and sales converting leads into customers.

• Sales and marketing work together to drive revenue for the company

• Marketing creates awareness and interest in the product or service

• Sales team converts leads generated by marketing into customers

• Effective communication and collaboration between sales and marketing teams is crucial for success

I will convince the customer by highlighting the unique features and benefits of the product.

• Understand the customer's needs and pain points

• Highlight the product's unique features and benefits

• Provide case studies or testimonials from satisfied customers

• Offer a trial or demo of the product

• Address any objections or concerns the customer may have

• Show how the product can solve their problems and improve their business

• Offer competitive pricing or incentives

• Build trust and credibil...read more

A personal loan is a type of loan that individuals can borrow from a bank or financial institution for personal use.

• Personal loans are unsecured loans, meaning they do not require collateral.

• They can be used for various purposes such as debt consolidation, home improvement, or medical expenses.

• The loan amount, interest rate, and repayment terms are determined based on the borrower's creditworthiness.

• Personal loans typically have fixed interest rates and monthly installment pa...read more

Yes, I have a 2 wheeler for transportation.

• Yes, I own a motorcycle for commuting to work.

• Having a 2 wheeler helps me navigate through traffic easily.

• I ensure regular maintenance of my 2 wheeler for safety and efficiency.

Loan to Value is a financial term used to describe the ratio of a loan amount to the value of the asset being purchased.

• Loan to Value is calculated by dividing the loan amount by the appraised value of the asset.

• It is commonly used in real estate and mortgage lending to assess the risk of the loan.

• Lenders typically have maximum Loan to Value ratios that they are willing to lend based on the type of asset.

• For example, a lender may offer a loan with an 80% Loan to Value ratio f...read more

Marketing focuses on creating awareness and interest in a product or service, while sales involves closing deals and generating revenue.

• Marketing involves activities such as advertising, branding, market research, and public relations.

• Sales involves activities such as prospecting, lead generation, negotiation, and closing deals.

• Marketing aims to create demand for a product or service, while sales aims to fulfill that demand by converting leads into customers.

• Marketing is more...read more

Handling clients and sourcing business involves building relationships, understanding their needs, and providing tailored solutions.

• Build strong relationships with clients by actively listening to their needs and concerns.

• Understand the client's business and industry to provide relevant solutions.

• Identify potential business opportunities through networking, referrals, and market research.

• Tailor solutions to meet the client's specific needs and goals.

• Regularly communicate with...read more

It is not possible to predict the exact number of people online on Facebook in Chennai at any given moment.

• Facebook does not publicly disclose real-time user data.

• The number of people online on Facebook in Chennai can vary greatly throughout the day.

• Factors like time of day, day of the week, and current events can influence the number of people online.

• Facebook's user base is constantly changing as people log in and out of their accounts.

• Without access to Facebook's internal d...read more

Loans are financial products that allow individuals or businesses to borrow money from a lender with the promise of repayment with interest.

• Loans can be secured or unsecured

• Interest rates can be fixed or variable

• Common types of loans include personal loans, mortgages, and business loans

• Lenders may require collateral for secured loans

• Credit score and income are important factors in loan approval

FOIR ratio stands for Fixed Obligation to Income Ratio, used by lenders to assess borrower's repayment capacity.

• FOIR ratio is calculated by dividing the total fixed obligations of a borrower by their gross monthly income.

• Lenders use FOIR ratio to determine if a borrower can afford the loan repayments based on their income.

• For example, if a borrower has fixed obligations of $500 and a gross monthly income of $2000, the FOIR ratio would be 25% ($500/$2000 * 100).

CIBIL score is a 3-digit numerical summary of an individual's credit history, used by lenders to evaluate creditworthiness.

• CIBIL score ranges from 300 to 900, with higher scores indicating better creditworthiness.

• It is based on credit history including repayment track record, credit utilization, length of credit history, etc.

• Lenders use CIBIL score to assess the risk of lending money to an individual.

• A good CIBIL score increases the chances of loan approval and favorable inte...read more

The total number of flowers accumulated at the end of the day can be calculated by multiplying the number of people by the number of flowers each person offers.

• Multiply the number of people by 5 to get the total number of flowers accumulated

• For example, if there are 10 people, the total number of flowers accumulated would be 10 * 5 = 50

The main activity of banks is to accept deposits from customers and provide loans to individuals and businesses.

• Accepting deposits from customers

• Providing loans to individuals and businesses

• Facilitating transactions such as wire transfers and electronic payments

• Offering financial products and services like savings accounts, credit cards, and mortgages

To sell products as a Phone Banking Officer, I will use effective communication skills, product knowledge, and persuasive techniques.

• Understand the customer's needs and preferences

• Highlight the features and benefits of the product

• Address any concerns or objections the customer may have

• Create a sense of urgency or exclusivity

• Offer incentives or promotions

• Close the sale by asking for the customer's commitment

• Provide excellent customer service after the sale

New product lifecycle involves stages from ideation to launch, growth, maturity, and decline.

• Idea generation and market research

• Product development and testing

• Product launch and marketing

• Sales growth and market penetration

• Product maturity and market saturation

• Product decline and end-of-life decisions

The time to process a loan varies depending on several factors.

• The time to process a loan depends on the complexity of the loan application.

• It also depends on the efficiency of the loan processing system and the workload of the loan officers.

• On average, it can take anywhere from a few days to a few weeks to process a loan.

• However, some loans may require additional documentation or verification, which can extend the processing time.

• For example, a simple personal loan with all ...read more

Documents required for personal loan include proof of identity, address, income, and employment.

• Proof of identity (e.g. passport, driver's license, Aadhar card)

• Proof of address (e.g. utility bills, rental agreement)

• Proof of income (e.g. salary slips, bank statements)

• Proof of employment (e.g. employment letter, job contract)

Our products are high-quality, innovative solutions designed to meet the needs of our customers.

• Wide range of products available for different industries and applications

• Products are designed with cutting-edge technology and superior materials

• Customization options available to meet specific requirements

• Examples: software solutions for data management, hardware products for industrial automation

I have 5 years of banking experience, including roles in customer service and loan processing.

• 5 years of banking experience

• Roles in customer service and loan processing

• Familiarity with banking products and services

• Knowledge of financial regulations and compliance

• Experience in handling customer inquiries and resolving issues

• Proficient in using banking software and systems

As a leader, I would prioritize communication, collaboration, and adaptability to handle the worst situation.

• I would gather my team and communicate the situation clearly and transparently.

• I would encourage open communication and collaboration among team members to find solutions.

• I would remain calm and adaptable to changes in the situation.

• I would prioritize the well-being and safety of my team members.

• I would seek guidance and support from higher-ups or experts if necessary.

Axis Bank has over 4,000 branches across India.

• Axis Bank has a vast network of branches spread across India

• As of now, Axis Bank has over 4,000 branches in the country

• The bank continues to expand its branch network to reach more customers

Products in a bank include savings accounts, checking accounts, loans, credit cards, and investment products.

• Savings accounts

• Checking accounts

• Loans

• Credit cards

• Investment products

Current account features include overdraft facility, cheque book, debit card, online banking, and interest on balance.

• Overdraft facility allows customers to withdraw more money than they have in their account, up to a certain limit.

• Cheque book enables customers to write checks for payments.

• Debit card can be used for ATM withdrawals and purchases.

• Online banking allows customers to manage their account and make transactions online.

• Some current accounts offer interest on the bal...read more

Digital banking has revolutionized the banking industry by offering convenient, accessible, and personalized services to customers.

• Increased convenience for customers with 24/7 access to banking services

• Cost savings for banks through reduced need for physical branches and staff

• Enhanced security measures to protect customer data and transactions

• Introduction of innovative services such as mobile payments, digital wallets, and robo-advisors

• Improved customer experience through pe...read more

Location and customer handling are crucial for a Retail Banking Officer.

• Choose a convenient location for customers to access easily.

• Create a welcoming and professional environment in the branch.

• Train staff to provide excellent customer service and handle inquiries efficiently.

• Utilize technology to streamline processes and improve customer experience.

• Implement security measures to protect customers' information and assets.

Bond is a financial instrument used to raise capital for companies or governments.

• Bonds are essentially loans that investors give to the issuer, who promises to pay back the principal plus interest over a set period of time.

• Bonds can be traded on the secondary market, and their value can fluctuate based on factors such as interest rates and the creditworthiness of the issuer.

• Examples of bond issuers include corporations, municipalities, and national governments.

• Bonds are ofte...read more

A debenture is a type of debt instrument that is not secured by physical assets or collateral.

• Debentures are issued by companies or governments to raise capital.

• They are essentially a promise to repay the borrowed amount with interest.

• Unlike secured bonds, debentures do not have any collateral backing them up.

• Debentures can be either convertible or non-convertible.

• Convertible debentures can be converted into equity shares of the issuing company.

• Non-convertible debentures cann...read more

Yes, I have experience in sales and marketing.

• I have worked in sales for the past 5 years, consistently exceeding targets.

• I am familiar with various marketing strategies such as social media marketing and email campaigns.

• I have a strong understanding of customer behavior and how to effectively communicate product benefits.

Microfinance is a financial service that provides small loans and other financial services to low-income individuals and entrepreneurs.

• Microfinance aims to alleviate poverty and promote economic development.

• It typically targets individuals who lack access to traditional banking services.

• Microfinance institutions offer small loans, savings accounts, insurance, and other financial products.

• These services help individuals start or expand businesses, invest in education, and impr...read more

Banking involves financial services such as deposits, loans, investments, and transactions.

• Banks accept deposits from customers and provide loans and credit services.

• They offer various financial products such as savings accounts, checking accounts, and certificates of deposit.

• Banks facilitate transactions such as wire transfers, electronic payments, and ATM withdrawals.

• They also provide investment services like wealth management, mutual funds, and retirement accounts.

I believe the banking and finance sector plays a crucial role in driving economic growth and providing financial services to individuals and businesses.

• The banking and finance sector is essential for facilitating transactions, managing risks, and allocating capital efficiently.

• Technological advancements have revolutionized the sector, leading to the rise of online banking, mobile payments, and digital currencies.

• Regulatory frameworks play a key role in maintaining stability a...read more

Regular customers should be treated with new schemes by offering personalized deals, exclusive discounts, and rewards.

• Offer personalized deals based on their purchase history and preferences

• Provide exclusive discounts or promotions for loyal customers

• Reward them with points or gifts for their continued patronage

• Keep them informed about new schemes through targeted communication channels

• Seek feedback from them to improve the schemes and tailor them to their needs

Knowledge in operations management, supply chain, process improvement, strategic planning, and team leadership.

• Operations management involves overseeing production processes, quality control, and resource allocation.

• Supply chain management focuses on optimizing the flow of goods and services from suppliers to customers.

• Process improvement involves identifying inefficiencies and implementing solutions to streamline operations.

• Strategic planning involves setting long-term goals...read more

A bank is a financial institution that accepts deposits from the public and provides loans and other financial services.

• Banks accept deposits from individuals and businesses.

• Banks provide loans to individuals and businesses.

• Banks offer various financial services such as credit cards, mortgages, and investment products.

• Banks facilitate money transfers and provide safekeeping of valuables.

• Banks play a crucial role in the economy by promoting savings, facilitating transactions, ...read more

I'm sorry, I don't understand the question.

• Please rephrase the question or provide more context.

• I am unable to provide a meaningful answer without understanding the question.

• Can you please clarify what you mean by 'cunfat' and 'jon'?

Handle customers with empathy, patience, and effective communication.

• Listen actively to understand their needs and concerns.

• Provide personalized solutions and recommendations.

• Be patient and empathetic, especially in difficult situations.

• Communicate clearly and effectively to ensure understanding.

• Follow up to ensure customer satisfaction and loyalty.

Banking knowledge refers to the understanding of financial institutions, products, services, and processes involved in the banking industry.

• Knowledge of different types of bank accounts such as savings, current, and fixed deposit accounts

• Understanding of banking products like loans, credit cards, and insurance

• Familiarity with banking services such as online banking, ATM usage, and mobile banking

• Knowledge of banking processes like account opening, fund transfers, and loan appl...read more

Customer handling refers to the process of interacting with customers to address their needs and provide satisfactory service.

• Customer handling involves effective communication and problem-solving skills.

• It includes listening to customer concerns, providing information, and resolving issues.

• Examples of customer handling techniques include active listening, empathy, and patience.

• Customer handling aims to ensure customer satisfaction and build positive relationships.

• It may invo...read more

Product knowledge refers to a deep understanding of the features, benefits, and uses of a particular product or range of products.

• Product knowledge involves knowing the specifications, functions, and capabilities of a product.

• It includes understanding the target market and customer needs that the product fulfills.

• Product knowledge helps in effectively communicating and selling the product to customers.

• It enables providing accurate information, addressing customer queries, and...read more

Yes, I am interested in this project.

• I am excited about the opportunity to work on this project.

• I have relevant experience and skills that align with the project requirements.

• I am eager to contribute to the success of the project.

• I am confident in my ability to deliver results and meet project goals.

To sell a product, understand the customer's needs, highlight the benefits, and create a sense of urgency.

• Research the target audience and their pain points

• Highlight the unique features and benefits of the product

• Create a sense of urgency through limited time offers or scarcity

• Build trust and rapport with the customer

• Handle objections and provide solutions

• Close the sale and follow up for customer satisfaction

Banking is a financial system that involves activities such as accepting deposits, lending money, and providing various financial services.

• Banking is a system that allows individuals, businesses, and governments to deposit and withdraw money.

• Banks provide loans to individuals and businesses for various purposes such as buying a house or starting a business.

• Banks offer financial services like credit cards, debit cards, online banking, and investment options.

• Banking involves ma...read more

Yes

• Selling involves persuading and convincing customers to purchase a product or service.

• It requires effective communication and negotiation skills.

• Understanding customer needs and providing solutions is crucial.

• Building relationships and maintaining customer satisfaction is important.

• Sales techniques like upselling and cross-selling can be utilized.

• Examples: selling insurance policies, pitching a new product to potential clients, closing a deal with a customer.

Stabilising the rupee requires a combination of monetary and fiscal policies.

• Increase interest rates to attract foreign investment

• Reduce government spending to decrease fiscal deficit

• Encourage exports to increase foreign currency inflow

• Control inflation to maintain purchasing power of the rupee

• Strengthen economic fundamentals to increase investor confidence

Debit is when money is taken out of an account, while credit is when money is added to an account.

• Debit decreases the balance, while credit increases it.

• Debit is used for expenses and withdrawals, while credit is used for income and deposits.

• Debit is represented by a negative number, while credit is represented by a positive number.

• Examples of debit transactions include ATM withdrawals and bill payments, while examples of credit transactions include salary deposits and refund...read more

By presenting logical arguments, providing evidence, and appealing to emotions.

• Use logical reasoning to explain the benefits or advantages of your proposal.

• Provide evidence or data to support your claims.

• Appeal to emotions by highlighting the positive impact or outcomes of your suggestion.

• Listen to the concerns of others and address them respectfully.

• Build trust and credibility by being knowledgeable and reliable.

• Use storytelling to make your points more relatable and memorab...read more

A bank is a financial institution that accepts deposits from the public and creates credit.

• Banks provide various financial services such as loans, credit cards, and savings accounts.

• They also offer investment services like mutual funds and stocks.

• Banks play a crucial role in the economy by providing a safe place for people to store their money and facilitating transactions.

• Examples of banks include JPMorgan Chase, Bank of America, and Wells Fargo.

Sales is the process of convincing a potential customer to purchase a product or service.

• Identifying potential customers

• Understanding their needs and preferences

• Presenting the product or service in a compelling way

• Addressing any objections or concerns

• Closing the sale

• Following up with the customer to ensure satisfaction and encourage repeat business

NPA stands for Non-Performing Asset, which refers to a loan or advance where interest or principal payments are overdue for a period of 90 days or more.

• NPA is a loan or advance where payments are overdue for 90 days or more

• It is also known as Non-Performing Loan (NPL)

• Banks and financial institutions classify loans as NPA to reflect the risk of default

• NPA can have a negative impact on the bank's profitability and credit rating

• Examples of NPA include a borrower who has stopped ...read more

I have 8 years of experience in the banking industry.

• Started as a teller and worked my way up to Senior Relationship Officer.

• Extensive knowledge of banking products, services, and regulations.

• Proven track record of building and maintaining strong client relationships.

• Experience in managing portfolios and providing financial advice.

• Participated in training programs and workshops to enhance skills.