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CalibeHR SBI cards Office Credit Officer Interview Questions, Process, and Tips
CalibeHR SBI cards Office Credit Officer Interview Experiences
1 interview found
Anonymous
(5 Questions)
- Q1. What is credit card
- Ans.
A credit card is a payment card issued by a financial institution that allows the cardholder to borrow funds to pay for goods and services.
Credit cards allow users to make purchases on credit, with the promise to repay the borrowed amount at a later date.
They typically have a credit limit, which is the maximum amount the cardholder can borrow.
Interest is charged on the outstanding balance if not paid in full by the due...
- Q2. How many types of credit card
- Ans.
There are several types of credit cards, each with different features and benefits.
Types include rewards cards, cash back cards, travel cards, secured cards, and business cards.
Each type offers different rewards, benefits, and interest rates.
Examples include Visa, Mastercard, American Express, and Discover.
- Q3. Size of credit card
- Ans.
The size of a credit card is standardized at 85.60 mm × 53.98 mm (3.370 in × 2.125 in).
Standard size is 85.60 mm × 53.98 mm (3.370 in × 2.125 in)
Thickness is typically around 0.76 mm (0.030 in)
Size is similar to a driver's license or ID card
- Q4. What is silver credit card
- Ans.
A silver credit card is a type of credit card that offers higher credit limits and more benefits than a standard credit card.
Silver credit cards typically have higher credit limits compared to standard credit cards.
They may offer additional perks such as travel insurance, purchase protection, and concierge services.
Silver credit cards often come with an annual fee, but the benefits can outweigh the cost for frequent us...
- Q5. What is diamond credit card
- Ans.
Diamond credit card is a premium credit card offering exclusive benefits and rewards to high-income individuals.
Diamond credit cards typically have higher credit limits compared to standard credit cards.
They often come with perks such as travel insurance, concierge services, and access to airport lounges.
Cardholders may also receive cashback rewards, discounts on purchases, and exclusive offers from partner merchants.
E...
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Interview questions from similar companies
I applied via Referral and was interviewed in Oct 2024. There was 1 interview round.
(2 Questions)
- Q1. Tell me about yourself
- Q2. What are your strengths and weaknesses
Interview Preparation Tips
Sathish Thala
They ask about credit analysis
Selected
I applied via Walk-in and was interviewed before Dec 2023. There was 1 interview round.
(2 Questions)
- Q1. Why should we hire you?
- Ans.
I have a strong background in credit analysis and risk assessment, with a proven track record of making sound lending decisions.
I have X years of experience in credit analysis and risk assessment.
I have a proven track record of making sound lending decisions.
I am detail-oriented and have strong analytical skills.
I am familiar with industry regulations and compliance standards.
I have excellent communication and interper...
- Q2. Why do you think your growth will be here?
- Ans.
I believe my growth will be here due to my strong work ethic, dedication to learning, and ability to adapt to new challenges.
I have a proven track record of exceeding targets and taking on additional responsibilities in my previous roles.
I am constantly seeking out opportunities for professional development and further education to enhance my skills.
I am adaptable and thrive in fast-paced environments, which will allow
Selected
I applied via Recruitment Consulltant and was interviewed in Jan 2023. There were 2 interview rounds.
(5 Questions)
- Q1. ARE YOU OK TO WORK ANOTHER PLACE
- Ans.
I'm Ok To Work Another Place
- Q2. ARE STATISY WITH IS OFFER
- Q3. You Have to stay given your location only
- Ans.
I Will Stay At Near To Given Location Only
- Q4. Your travel allowances will come from your location
- Ans.
My Travel Allowance Will Come From My Location
- Q5. You have to go Branch daily and attendance
(2 Questions)
- Q1. What is DSCR and working capital
- Ans.
DSCR stands for Debt Service Coverage Ratio, which measures a company's ability to pay its debts. Working capital is the difference between current assets and current liabilities.
DSCR is calculated by dividing a company's operating income by its debt obligations. A ratio above 1 indicates the company can cover its debts.
Working capital is essential for day-to-day operations and is calculated as current assets minus cur...
- Q2. What is DSCR and iscr
- Ans.
DSCR stands for Debt Service Coverage Ratio and ISCR stands for Interest Service Coverage Ratio.
DSCR measures a company's ability to pay its debt obligations with its operating income.
A DSCR of 1 means the company is just able to cover its debt payments, while a DSCR above 1 indicates the company has more income than debt obligations.
ISCR specifically focuses on the ability to cover interest payments with operating inc
(2 Questions)
- Q1. How long you will take to join
- Ans.
I am available to join within two weeks of receiving a job offer.
I will need to provide a two-week notice to my current employer before starting a new position.
I may need some time to wrap up any ongoing projects or hand over responsibilities to a colleague.
I am excited about the opportunity and will make sure to transition smoothly into the new role.
- Q2. How much salary you will take
- Ans.
I am looking for a competitive salary based on my qualifications and experience.
I am open to discussing salary based on the responsibilities and requirements of the role
I have researched the average salary range for Credit Officers in this industry
I am looking for a salary that reflects my skills and contributions to the company
Interview Preparation Tips
Selected
I applied via LinkedIn and was interviewed in Jan 2023. There were 2 interview rounds.
(3 Questions)
- Q1. What is your long term goal
- Q2. Tell me about your self
- Q3. Why do you want this job
Interview Preparation Tips
Selected
I applied via AmbitionBox and was interviewed in Aug 2023. There were 2 interview rounds.
(2 Questions)
- Q1. What will my salary there?
- Q2. Where is my job location?
- Ans. I need location at jehanabad bihar
Interview Preparation Tips
I applied via Walk-in and was interviewed in Aug 2022. There were 3 interview rounds.
Due to self interdiction & current Job & family details .
Due to working discussion & job role policy & criteria as per bank policy.
Interview Preparation Tips
Selected
I applied via Company Website and was interviewed before Oct 2023. There was 1 interview round.
(2 Questions)
- Q1. Educational and family background
- Q2. Basic questions regarding internship experience as I appeared as fresher
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CalibeHR SBI cards Office Credit Officer Interview Process
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