AmbitionBox
Interview Questions
- Reviews
- Salaries
- Interview Questions
- About Company
- Benefits
- Jobs
- Office Photos
- Community
Add office photos
Filter interviews by
ESAF Small Finance Bank Interview Questions and Answers
55 Interview questions
A money mule is an individual who transfers illegally obtained money on behalf of others, often unknowingly aiding in fraud.
Money mules are often recruited through job ads promising easy money.
They may be unaware that they are facilitating criminal activities.
Examples include receiving funds in their bank account and transferring them elsewhere.
Criminals use money mules to obscure the origin of stolen funds.
STR stands for Short Tandem Repeat, a type of DNA sequence used in genetic profiling.
STRs are repeating sequences of 2-6 base pairs in DNA.
They are highly variable among individuals, making them useful for forensic analysis.
STR analysis is commonly used in paternity testing and criminal investigations.
For example, the FBI uses a standard set of 13 STR markers for DNA profiling.
Branch Book Size refers to the total financial assets managed by a bank branch.
It includes deposits, loans, and investments held by the branch.
For example, if a branch has $10 million in deposits and $5 million in loans, its book size is $15 million.
Branch Book Size is crucial for assessing the branch's performance and growth potential.
Larger book sizes often indicate a more established branch with a solid custome...
Banking rules are regulations and guidelines that govern financial institutions' operations and customer interactions.
Regulatory Compliance: Banks must adhere to laws like the Dodd-Frank Act to ensure transparency and protect consumers.
Know Your Customer (KYC): Banks are required to verify the identity of their clients to prevent fraud and money laundering.
Fair Lending Practices: Institutions must follow the Equal...
DD limit refers to the maximum amount of demand draft that can be issued by a bank to a customer.
DD limit varies by bank and customer profile, often based on account type and relationship.
For example, a retail customer might have a DD limit of $5,000, while a corporate client could have a limit of $50,000.
Banks may require additional documentation for higher DD limits, especially for large transactions.
The DD limi...
A bank is licensed by the RBI after meeting specific regulatory requirements and undergoing a thorough evaluation process.
A bank must submit an application to the RBI for a banking license.
The bank must meet minimum capital requirements as specified by the RBI.
The RBI evaluates the bank's business plan, management, and financial health.
Examples of banks licensed by the RBI include State Bank of India and HDFC Bank...
The founding date, time, and chairman of the bank are crucial for understanding its history and leadership.
Founding Date: Knowing the exact date helps in understanding the bank's history and milestones.
Founding Time: The specific time can be significant for historical context, such as the time of day when the bank was established.
Chairman Name: The chairman's name is important as it reflects the leadership and vis...
Yes, I sustain by constantly adapting to market changes, staying updated on industry trends, and building strong relationships with clients.
Adapting to market changes by diversifying services or products
Staying updated on industry trends through continuous learning and networking
Building strong relationships with clients to retain business and attract new opportunities
I am drawn to this role to leverage my skills in operations management and contribute to the growth of the branch.
I have a strong background in operations management, having successfully streamlined processes in my previous role, which increased efficiency by 20%.
I am passionate about team leadership and fostering a collaborative environment, as demonstrated by my experience in mentoring junior staff.
I am excited ...
Dynamic and results-driven operations manager with a passion for optimizing processes and leading teams to achieve excellence.
Strong leadership skills: Successfully led a team of 20 in a previous role, improving productivity by 30%.
Process optimization: Implemented a new inventory management system that reduced costs by 15%.
Excellent communication: Fostered collaboration between departments, resulting in a 25% inc...
ESAF Small Finance Bank Interview Experiences
131 interviews found
Anonymous
I applied via Walk-in and was interviewed before Jan 2021. There were 4 interview rounds.
Interview Questionnaire
2 Questions
- Q1. Balance Sheet, Profit and Loss Account
- Ans. Balance Sheet and Profit and Loss account are two tools for knowing the financial state of the company during a particular time period.
- Q2. Current Products
- Ans. Solar water heater, Solar cooker, Natural water purifier.
Interview Preparation Tips
Selected
I appeared for an interview in May 2025, where I was asked the following questions.
- Q1. You want to include a visual representation of interview questions, likely in a document, presentation, or website. Here's how to do that:
- Ans.
Data visualization is the analysis and presentation of information in graphic or visual formats. Data visualization positions enable the communication of complex data in a variety of fields. If you're planning to enter this field, it's important to prepare thoroughly for your future interviews. In this article, we list 38 common data visualization interview questions and provide some sample answers to prepare you for a...
- Q2. Using Icons: Icon Libraries: Many free icon libraries are available online. Some popular options include: The Noun Project: Offers a wide range of free and paid icons. Iconfinder: Another large library wit...
- Ans.
Many free icon libraries are available online for developers and designers to use in their projects. Some popular options include Lucide, Boxicons, Material Icons (MUI), and React Icons. These libraries offer various styles, sizes, and themes, making it easy to integrate icons into websites and applications.
- Q3. A question mark within a speech bubble. Two people conversing, with a question mark. A person holding a microphone or notebook, with a question mark. A simple question mark icon.
- Ans.
The image described is likely a visual representation of a question being asked or a request for clarification in a conversation. It combines the image of a speech bubble, signifying spoken communication, with a question mark, which is a punctuation mark that indicates a query or a question.
- Q4. Walk me through your resume"
- Ans.
Experienced customer service manager with a strong background in team leadership and process improvement.
Started my career as a customer service representative, where I developed strong communication skills.
Promoted to team lead within a year, successfully managing a team of 10 and improving customer satisfaction scores by 15%.
Transitioned to a customer service manager role, overseeing operations for a department of 50...
- Q5. What are your strengths and weaknesses?":
- Ans.
I excel in communication and problem-solving but can be overly detail-oriented at times.
Strength: Excellent communication skills - I effectively convey information to customers and team members.
Strength: Strong problem-solving abilities - I once resolved a complex customer issue that had been escalated multiple times.
Weakness: Overly detail-oriented - I sometimes spend too much time perfecting minor details, which can ...
Interview Preparation Tips
(5 Questions)
- Q1. How many experience
- Ans.
I have over 10 years of experience in branch management, leading teams and driving operational success in various financial institutions.
Managed a team of 15 employees, improving customer satisfaction scores by 20% over two years.
Implemented new training programs that reduced onboarding time for new hires by 30%.
Increased branch revenue by 25% through strategic marketing initiatives and community engagement.
Successfull...
- Q2. And BM responsibility
- Q3. Why join ESAF small finance bank
- Q4. Why left last organisation
- Q5. Tell me about your self
Interview Preparation Tips
- Q1. What are the various leverage ratios and their significance in financial analysis?
- Ans.
Leverage ratios assess a company's debt levels relative to its equity and assets, indicating financial risk and stability.
Debt-to-Equity Ratio: Measures total debt relative to shareholders' equity. A ratio above 1 indicates more debt than equity.
Debt Ratio: Total debt divided by total assets. A higher ratio suggests higher financial risk, e.g., 0.6 means 60% of assets are financed by debt.
Equity Ratio: Shareholders' eq...
- Q2. Different types of fixed and variable cost.
- Ans.
Fixed costs remain constant regardless of production, while variable costs fluctuate with output levels.
Fixed Costs: Expenses that do not change with production volume, e.g., rent, salaries.
Variable Costs: Expenses that vary directly with production volume, e.g., raw materials, direct labor.
Examples of Fixed Costs: Insurance premiums, property taxes, and equipment depreciation.
Examples of Variable Costs: Utilities base...
Selected
I appeared for an interview in Aug 2024.
(2 Questions)
- Q1. Ask about your previous organisation and detailed in discription about your previous role and also discussed about your current CTC.
- Q2. Brief idea about team handling and set up branch premises
- Ans.
Team handling involves managing and leading a group of individuals towards a common goal. Setting up branch premises includes designing the layout, ensuring functionality, and creating a welcoming environment.
Team handling involves assigning tasks, providing guidance, and fostering a positive work culture.
Setting up branch premises includes coordinating with vendors, ensuring compliance with regulations, and optimizing...
(1 Question)
- Q1. Ask about previous bank policy
(1 Question)
- Q1. Ask about team structure and size
I appeared for an interview in Apr 2025, where I was asked the following questions.
- Q1. Walking interview
- Q2. Face to face
- Q3. My performance and like impression
- Q4. Product knowledge
- Q5. Customer service response
Interview Preparation Tips
Selected
I appeared for an interview in Apr 2025, where I was asked the following questions.
- Q1. Can you tell me about yourself?
- Q2. Did you have responsibility for managing cash operations in your most recent company?
- Ans.
Yes, I managed cash operations, ensuring accuracy and compliance in transactions and reporting.
Oversaw daily cash handling, ensuring all transactions were accurately recorded.
Implemented cash management procedures that reduced discrepancies by 20%.
Trained staff on cash handling best practices to enhance security and efficiency.
Conducted regular audits to ensure compliance with company policies and regulations.
I applied via Campus Placement and was interviewed in Oct 2024. There were 3 interview rounds.
It is common only easy to crack
Finance and banking topic will given
(2 Questions)
- Q1. Introduce yourself
- Ans.
I am a motivated and dedicated individual with a background in business administration and a passion for leadership development.
Graduated with a degree in Business Administration
Completed leadership development program at previous job
Motivated and dedicated individual
- Q2. Subject knowledge
Interview Preparation Tips
Selected
I applied via Campus Placement and was interviewed in Feb 2024. There were 5 interview rounds.
They gave a random topic and asked us to do a discussion on it. For my group it was about social media and teenagers.
This was mostly a lot of GK questions and there was English too
(4 Questions)
- Q1. This was a robotic interview where they asked me to introduce myself
- Q2. There were other questions like what I knew about the bank
- Q3. What my strengths and weakness were
- Ans.
I possess strong communication skills and adaptability, but I sometimes struggle with time management under pressure.
Strength: Excellent communication skills - I can effectively convey ideas and build rapport with clients.
Strength: Adaptability - I thrive in dynamic environments and can quickly adjust to changing circumstances.
Weakness: Time management - I occasionally find it challenging to prioritize tasks when under...
- Q4. If I'm willing to relocate for the bank and if I like field work
(5 Questions)
- Q1. Again self introduction
- Q2. If I'm willing to relocate
- Q3. How I wud approach a client
- Ans.
I would approach a client by first researching their industry and needs, then reaching out with a personalized message to schedule a meeting.
Research the client's industry and needs before reaching out
Craft a personalized message highlighting how your product/service can benefit them
Schedule a meeting to discuss further details and address any questions or concerns
- Q4. How I wud reach the smaller crowd
- Q5. Why exactly I'm choosing sales
- Ans.
I choose sales for its dynamic nature, the opportunity to connect with people, and the satisfaction of achieving targets.
Sales allows me to engage with diverse clients, enhancing my communication skills.
I thrive in competitive environments, and sales provides measurable success through targets.
Building relationships is key in sales; I enjoy fostering long-term connections with clients.
Sales roles often require problem-...
(5 Questions)
- Q1. This was an online hr round
- Q2. I was asked about the interest rates of the bank
- Q3. How their interest rates were asking compared to other companies
- Q4. What all do I look for in a bank to start an account
- Ans.
Look for a bank with convenient locations, competitive interest rates, low fees, and good customer service.
Convenient locations for easy access
Competitive interest rates for maximizing savings
Low fees to minimize costs
Good customer service for assistance when needed
- Q5. How do I get clients to join this bank
Interview Preparation Tips
Selected
I appeared for an interview in Mar 2025, where I was asked the following questions.
- Q1. Introduction Finance work
- Q2. Sale work Collection
I applied via Campus Placement and was interviewed in Jul 2024. There were 3 interview rounds.
Online GD , topics will be shared in the meeting
Aptitude,gk,english questions, time limit is 60min
(1 Question)
- Q1. What is neft and rtgs do you have any other offers from other company why this job role
- Ans.
NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement) are electronic payment systems used for transferring funds between banks in India.
NEFT is used for transferring funds up to a certain limit, typically with a delay of a few hours to one working day.
RTGS is used for transferring large amounts of funds with immediate settlement, typically used for high-value transactions.
NEFT operates in hour...
Top trending discussions
ESAF Small Finance Bank Interview FAQs
The duration of ESAF Small Finance Bank interview process can vary, but typically it takes about less than 2 weeks to complete.
Tell us how to improve this page.
ESAF Small Finance Bank Interviews By Designations
- ESAF Small Finance Bank Branch Manager Interview Questions
- ESAF Small Finance Bank Senior Officer Interview Questions
- ESAF Small Finance Bank Sales Officer Interview Questions
- ESAF Small Finance Bank Assistant Manager Interview Questions
- ESAF Small Finance Bank Executive Trainee Interview Questions
- ESAF Small Finance Bank Brach Operation Manager Interview Questions
- ESAF Small Finance Bank Officer Interview Questions
- ESAF Small Finance Bank Customer Service Executive Interview Questions
- Show more
Interview Questions for Popular Designations
- Branch Manager Interview Questions
- Senior Officer Interview Questions
- Executive Trainee Interview Questions
- Sales Officer Interview Questions
- Assistant Manager Interview Questions
- Brach Operation Manager Interview Questions
- Officer Interview Questions
- Customer Service Executive Interview Questions
- Show more
Overall Interview Experience Rating
based on 198 interview experiences
Difficulty level
Duration
Interview Questions from Similar Companies
ESAF Small Finance Bank Reviews and Ratings
based on 2.3k reviews
Rating in categories
|
Senior Officer
564
salaries
|  ₹2 L/yr - ₹5.2 L/yr |
|
Assistant Manager
520
salaries
| ₹2.3 L/yr - ₹7.2 L/yr |
|
Branch Manager
360
salaries
| ₹3.5 L/yr - ₹13.3 L/yr |
|
Brach Operation Manager
355
salaries
| ₹2.5 L/yr - ₹8.3 L/yr |
|
Sales Officer
247
salaries
| ₹1.5 L/yr - ₹4.2 L/yr |
AU Small Finance Bank
Equitas Small Finance Bank
Standard Chartered
Deutsche Bank
- Home >
- Interviews >
- ESAF Small Finance Bank Interview Questions
