ESAF Small Finance Bank Branch Head and Manager Interview Questions and Answers

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
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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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45mts test will be thr
Must to qualify

Q1. Seniors up to L2 will take face to face call...and seek for functional and technical knowledge. . confidence in business activities
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Q1. After finalised by L2 salary discussion with HR
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Gd topic was entrepreneurs in village

Q1. Current ratio formula
Ans. 
Current ratio formula is a financial metric used to evaluate a company's ability to pay its short-term obligations.
• Current ratio formula = Current Assets / Current Liabilities

• It measures a company's liquidity and ability to cover its short-term debts

• A ratio above 1 indicates the company has more current assets than liabilities

• For example, if a company has $100,000 in current assets and $50,000 in current liabilities, t
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Q2. Repo rate meaning
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Repo rate is the rate at which the central bank lends money to commercial banks for short-term periods.
• Repo rate is used by central banks to control inflation and liquidity in the economy.

• A higher repo rate means higher borrowing costs for banks, leading to lower money supply and lower inflation.

• Conversely, a lower repo rate means lower borrowing costs for banks, leading to higher money supply and potentially higher in
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Leadership development and achievements

Q1. Salary discussed
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Q2. Release offer letter
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Q1. PLEASE TELL ME ABOUT YOURSELF
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Q2. WHY YOU LEAVE LAST COMPANY? TELL ME REASON
Ans. 
ACTUAL REASON OF LEAVING IS RELOCATION FROM KOLKATA TO ANOTHER CITY.
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Q3. HAVE YOU ANY KNOWLEDGE ABOUT HOME LOANS, LOANS AGAINST PROPERTY, BUSINESS LOANS ETC.
Ans. 
Yes, I have knowledge about home loans, loans against property, and business loans.
• I have experience in processing and approving home loans for customers based on their financial eligibility.

• I am familiar with the documentation required for loans against property, such as title deeds and income proof.

• I have worked on evaluating business loan applications and assessing the creditworthiness of applicants.

• I understand the...read more
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Q4. TELL ME YOUR LAST COMPANY MAXIMUM BUSINESS TICKET SIZE?
Ans. 
MY MAXIMUM BUSINESS VALUE IS TWO CRORES
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Q5. HOW MUCH YOUR LAST COMPANY ANNUAL CTC?
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Q1. Basic information reg Education qualifications
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Q1. Previous record in Banking
Ans. 
I have 10 years of experience in banking, with a proven track record of achieving targets and building strong relationships with clients.
• 10 years of experience in banking

• Proven track record of achieving targets

• Strong relationship building with clients
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Discussion about work experience