HDFC Bank
Digital 360 Interview Questions and Answers
Q1. In case customer not answering the call what are you doing
If customer does not answer the call, I leave a voicemail and send a follow-up text or email.
Leave a voicemail with a polite message requesting a call back
Send a follow-up text or email with the same message
Attempt to call again at a later time if necessary
Q2. How to handle the customer in angery situations
Stay calm, listen actively, empathize, apologize, offer solutions, and follow up.
Remain calm and professional
Listen actively and let the customer vent
Empathize with the customer's situation
Apologize for any inconvenience caused
Offer solutions to resolve the issue
Follow up with the customer to ensure satisfaction
Use positive language and avoid blaming or accusing the customer
If necessary, escalate the issue to a supervisor or manager
Q3. How to handle the customer
Handling customers requires patience, empathy, and effective communication.
Listen actively to the customer's concerns and show empathy
Remain calm and professional, even in difficult situations
Offer solutions or alternatives to resolve the issue
Communicate clearly and effectively, avoiding technical jargon
Follow up with the customer to ensure satisfaction
Q4. How to handle NPA customers
Handle NPA customers by understanding their situation and offering solutions to help them repay their debts.
Listen to their concerns and empathize with their situation
Offer flexible repayment options based on their financial situation
Provide clear communication and follow-up regularly
Consider legal action as a last resort
Maintain professionalism and respect at all times
Q5. What is a work for collection
A work for collection refers to the process of pursuing overdue payments from individuals or businesses on behalf of a creditor.
Contacting debtors to remind them of outstanding payments
Negotiating payment plans or settlements
Documenting all communication and payment agreements
Escalating collection efforts if necessary, such as involving legal action
Maintaining accurate records of all collection activities
Q6. How to handle with customer
Handle customers with empathy, patience, and professionalism.
Listen actively to understand customer concerns
Remain calm and composed, even in challenging situations
Offer solutions or alternatives to resolve issues
Maintain a positive attitude and friendly demeanor
Follow up with customers to ensure satisfaction
Q7. Which buckets are handled
Buckets handled depend on the type of debt and its age.
Buckets are categorized based on the number of days past due.
Typically, buckets range from 0-30 days, 31-60 days, 61-90 days, and so on.
The collection officer will handle the buckets assigned to them based on their experience and expertise.
They will work to recover the debt from each bucket, starting with the oldest and most delinquent debts first.
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