SMFG India Credit Senior Individual Relationship Officer Interview Questions and Answers

Q1. Technical related questions
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Q2. Product related questions
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Q1. Family background
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Q2. Financial Knowledge
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Q1. Tell me about yourself.
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Q2. What motivates you to want to join BFIL?
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Q3. Basic questions about previous employers and reasons of leaving previous job.
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Normaly check the employes exprince

Check the abelity of employe

Q1. Regional manager theliphonic enterview asking how to working after selection
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Q2. Tell me about your self
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Q3. How does it working in gold loan
Ans. 
Working in gold loan involves assessing the value of gold items provided as collateral and determining the loan amount based on the value.
• Assess the purity and weight of the gold items provided by the customer

• Use current market rates to determine the value of the gold

• Calculate the loan amount based on the value of the gold and the loan-to-value ratio set by the company

• Ensure proper documentation and security measures a...read more
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Q4. How to enter in Gold loan profesion
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To enter the gold loan profession, one must have knowledge of gold appraisal, customer service skills, and understanding of loan processes.
• Gain knowledge of gold appraisal techniques and market trends

• Develop strong customer service skills to interact with clients

• Understand the loan processes and regulations related to gold loans

• Consider obtaining relevant certifications or training in the field

• Build a network within th...read more
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Q1. Tell me about your,s self
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Q2. Salery discussion
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Q3. Asking the hike of salery
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Q4. What is the resion of job change
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Seeking new opportunities for growth and development in a challenging environment.
• Looking for career advancement

• Seeking new challenges

• Interested in learning new skills

• Exploring better opportunities
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Q5. Salery negotiation
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Q1. Previous work details
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Q2. Why want to change
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Seeking new challenges and growth opportunities in a larger organization.
• Desire for career advancement

• Interest in taking on more responsibilities

• Looking for a change in work environment

• Seeking better compensation or benefits

• Wanting to work for a more reputable company
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Q3. How to evaluate a customer for credit worthiness
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Evaluate customer credit worthiness by analyzing financial history, credit score, income, and payment behavior.
• Check credit score and credit history

• Analyze income and employment stability

• Review payment behavior on previous debts

• Consider debt-to-income ratio

• Look for any outstanding loans or bankruptcies

• Evaluate the length of credit history
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Q4. Situation based question
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Q5. Why want to join hdb
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I want to join HDB because of its strong reputation in the industry and the opportunities for growth and development.
• HDB has a strong reputation in the industry for providing excellent financial services

• I am impressed by HDB's commitment to employee growth and development

• I believe that my skills and experience align well with the values and goals of HDB
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Q1. About Ratio Analysis specifically DSCR , Leverage , Quasi equity
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Q2. About product knowledge and industry knowledge
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Q1. When was microfinance established
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Microfinance was established in the 1970s as a way to provide financial services to low-income individuals and communities.
• Microfinance originated in the 1970s as an initiative to alleviate poverty and promote financial inclusion.

• The Grameen Bank in Bangladesh, founded by Muhammad Yunus in 1976, is often credited as the pioneer of modern microfinance.

• Microfinance institutions offer small loans, savings accounts, and ot...read more
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Q2. Muthoot MICROFIN CEO
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Q3. The company was set up muthoot
Ans. MR N. Mathai Muthoot) in 1887 at Kozhencherry
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Q1. Introductions and experience
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