Equitas Small Finance Bank Interview Questions, Process, and Tips

Q1. Tell me something about your experience ?
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Q2. Introduce yourself.
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Q3. What all the products you have handled throughout your career ?
Ans. 
I have handled a wide range of products throughout my career.
• Electronics: Managed the receivables for various electronic products such as smartphones, laptops, and televisions.

• Automotive: Oversaw the accounts receivable for automotive parts and accessories.

• Consumer Goods: Handled receivables for a variety of consumer goods including clothing, household appliances, and personal care products.

• Industrial Equipment: Manage...read more
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Q4. What your book size in current company and what are bucket you handling and how many branches you have handled and what is your team size ?
Ans. 
I currently manage a book size of $10 million in my current company. I handle buckets A, B, and C. I have handled 5 branches and my team size is 10 members.
• Book size: $10 million

• Buckets handled: A, B, C

• Branches handled: 5

• Team size: 10 members
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Q5. How you handle the pressure in BFSI ??
Ans. 
I handle pressure in BFSI by staying organized, prioritizing tasks, and maintaining open communication with team members.
• Prioritize tasks based on urgency and importance

• Break down complex tasks into smaller, manageable steps

• Delegate tasks when necessary to lighten the workload

• Practice stress-relief techniques such as deep breathing or taking short breaks

• Maintain open communication with team members to share concerns an
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Q6. How will motivate your team member if he is not performing well ?? What are measures you will take to improve his performance?
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Q7. Why you wana change your current job and how well you now about our organisation ?
Ans. 
I am looking for new challenges and growth opportunities. I have researched and familiarized myself with your organization.
• Seeking new challenges and growth opportunities

• Researched and familiarized myself with the organization

• Excited about the potential alignment of my skills and the company's goals
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Q8. Where you will see yourself in next 5 years ??
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Q9. What is your long term goal and short term goals in your life ?
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Q10. How you came to know about vacancy in our organisation ?
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Q1. Introduce yourself
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Q2. Tell me something about your experience
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Q3. How well you know about our company and how you about this vacancy
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Q4. What is your book size in your current company and which bucket your handling and what is your team size and how many branches your handling?
Ans. 
My current book size is $X million, handling buckets X, Y, and Z. I manage a team of X members across X branches.
• Book size is $X million

• Handling buckets X, Y, and Z

• Team size of X members

• Managing X branches
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Q5. How your plan your day to day activities according to your KRA?
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Q6. How will you achieve your weekly and monthly targets by driving your team members?
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Q7. How will you motivate your team members If he is not performing upto the mark. How will you motivate him and make sure he will achieve his Target consistently ?
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Q8. How you handle pressure? And how you will maintain good portfolio through the years ??
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Q9. How you manage and tackle with strategic kind of customers ?? Will you directly meet them or you will drive your team members to follow up with them ?
Ans. 
I believe in a combination of direct meetings and team follow-ups to effectively manage strategic customers.
• I would start by directly meeting with the strategic customers to build a strong relationship and understand their needs and expectations.

• I would then delegate follow-up tasks to my team members to ensure consistent communication and support for the customers.

• Regular team meetings and updates would be essential t...read more
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Q10. What is your expected CTC
Ans. 
My expected CTC is negotiable based on the responsibilities and benefits offered by the company.
• My expected CTC is based on my experience, skills, and the market rate for similar positions.

• I am open to discussing the compensation package, including salary, bonuses, and benefits.

• I am looking for a competitive salary that reflects my qualifications and contributions to the company.

• I am also interested in opportunities fo...read more
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If the X- Bucket customer not able to pay them how will you tackle the situation and make sure the payment are done ?? what all the measures and strategies you will implement to achieve this ?

Q1. Hr giving training then ur work easily that all
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Q1. This not play ground this is only business
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Q1. Nothing only training then ur talent for field explain the product for customer
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Q1. What's your current experience
Ans. 
I have 5 years of experience in credit analysis and risk assessment in the banking industry.
• 5 years of experience in credit analysis and risk assessment

• Proficient in financial statement analysis

• Strong understanding of credit risk management

• Experience in evaluating loan applications and determining creditworthiness

• Familiarity with regulatory requirements in the banking sector
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Q2. Did you achieved any goal in previous platform.
Ans. 
Yes, I achieved a goal of increasing loan approval rate by 15% in my previous role.
• Implemented new credit evaluation process to streamline decision-making

• Provided training to team members on identifying creditworthy applicants

• Collaborated with sales team to improve communication and documentation

• Utilized data analytics to identify trends and make data-driven decisions
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Q3. Do you participate any bankingevents
Ans. 
Yes, I actively participate in banking events to stay updated on industry trends and network with professionals.
• I regularly attend banking conferences and seminars to learn about new regulations and technologies in the industry.

• I have participated in workshops on credit risk management and financial analysis to enhance my skills and knowledge.

• I am a member of a banking association where I attend networking events to co
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Q4. Are you suitable for appliedrole.
Ans. 
Yes, I am suitable for the role of Credit Officer due to my strong financial background and experience in analyzing credit risk.
• I have a degree in finance and have completed relevant courses in credit analysis.

• I have previous experience working as a credit analyst, where I successfully assessed credit risk for various clients.

• I am proficient in financial modeling and have a strong understanding of financial statements.

• ...read more
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Q5. Tell about Equitas bank
Ans. 
Equitas Small Finance Bank is a scheduled commercial bank in India focused on serving the financial needs of micro and small enterprises.
• Equitas Small Finance Bank was established in 2007 as a microfinance institution before receiving a banking license in 2016.

• The bank offers a range of financial products and services including savings accounts, fixed deposits, loans, and insurance.

• Equitas Small Finance Bank has a stro...read more
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Discuss about financial risk and management

Basic market sources update / positive mind set

Q1. How to identity the resources What's the major segment
Ans. 
Identifying resources involves assessing available assets and determining the major segment for focus.
• Conduct a thorough inventory of all available resources such as financial, human, and physical resources.

• Analyze the strengths and weaknesses of each resource to determine their potential impact on the branch's operations.

• Identify the major segment by evaluating the market demand, competition, and potential for growth ...read more
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Q2. Potential for survey
Ans. 
Surveys can provide valuable insights into customer satisfaction and areas for improvement.
• Surveys can help gather feedback from customers about their experience with the branch.

• Analyzing survey results can help identify trends and areas for improvement.

• Implementing changes based on survey feedback can lead to increased customer satisfaction and loyalty.
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How to identify and convert

Q1. Process and hr benefit
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Q2. Hr benefit and appraisal
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How to over come and experience /idea share with team

Now give to assignment how to perform

Well to know our work and regularation

Q1. Practically put on the result
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