Bajaj Finserv Personal Loan Officer Interview Questions, Process, and Tips

JUST NORMAL BASICS GK QUESTIONS

HOW TO SALE'S A PERSONAL LOAN IN NON-INTERESTED CUSTOMER

Q1. HOW TO SALE'S A PERSONAL LOAN IN NON-INTERESTED CUSTOMER
Ans. 
To sell a personal loan to a non-interested customer, focus on benefits, address concerns, offer incentives, and provide personalized solutions.
• Highlight the benefits of the personal loan such as low interest rates, flexible repayment options, and quick approval process.

• Address any concerns or objections the customer may have by providing clear and accurate information.

• Offer incentives such as promotional rates, cashba...read more
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Q2. WHAT IS IIR & ROI
Ans. 
IIR stands for Internal Rate of Return, a metric used to evaluate the profitability of an investment. ROI stands for Return on Investment, a measure of the gain or loss generated on an investment relative to the amount of money invested.
• IIR is a financial metric used to calculate the profitability of an investment by determining the discount rate that makes the net present value of all cash flows from the investment eq...read more
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Q3. WHAT IS B2C SALE
Ans. 
B2C sale refers to business-to-consumer sales, where businesses sell products or services directly to individual consumers.
• In B2C sales, the focus is on selling products or services to individual consumers rather than to other businesses.

• Examples of B2C sales include retail stores, online shopping websites, and direct sales companies.

• B2C sales often involve marketing strategies aimed at reaching a wide consumer audienc...read more
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Q1. WHAT'S YOUR LAST COMPANY JOB ROLE
Ans. 
I was a Senior Financial Analyst responsible for analyzing financial data and preparing reports for management.
• Prepared financial reports for management

• Analyzed financial data to identify trends and make recommendations

• Assisted in budgeting and forecasting processes
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Q2. WHY AM CHANGE COMPANY
Ans. 
Seeking new opportunities for growth and development in a different company.
• Looking for a new challenge and opportunity to expand my skills

• Interested in a company with better growth prospects

• Seeking a more supportive work environment

• Want to explore new industry trends and practices
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Q3. WHAT'S MY SALARY EXPECTATION
Ans. 
My salary expectation is negotiable and based on the responsibilities and benefits offered.
• Research industry standards for similar positions

• Consider cost of living in the area

• Factor in benefits such as healthcare and retirement plans

• Be prepared to discuss salary range rather than a specific number
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Q4. WHAT'S YOU KNOW ABOUT BAJAJFINSERV
Ans. 
Bajaj Finserv is a leading financial services company in India offering a wide range of products including personal loans.
• Bajaj Finserv is a part of Bajaj Holdings & Investments Limited.

• They offer personal loans, home loans, business loans, and other financial products.

• Bajaj Finserv has a strong presence in the Indian market and is known for its quick loan approval process.

• They have a customer-friendly approach and off
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Q5. WHAT'S AM COMFORTABLE B2B & B2C SALES
Ans. 
I am comfortable with both B2B and B2C sales, understanding the unique dynamics of each.
• I have experience in building relationships with businesses (B2B) and individual consumers (B2C).

• I am adept at identifying the needs and pain points of different types of clients.

• I can tailor my sales approach to suit the specific requirements of B2B and B2C customers.

• I have a track record of success in both B2B and B2C sales, with
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