HDFC Bank Corporate Salary Relationship Manager Interview Questions and Answers

Working capital is the difference between a company's current assets and current liabilities.

• Working capital is essential for a company's day-to-day operations.

• It indicates the company's ability to meet its short-term financial obligations.

• Formula: Working Capital = Current Assets - Current Liabilities

• Examples: Cash, accounts receivable, inventory are current assets. Accounts payable, short-term loans are current liabi

DSCR Ratio is Debt Service Coverage Ratio, a financial metric used to measure a company's ability to cover its debt obligations.

• DSCR Ratio is calculated by dividing a company's operating income by its total debt service payments.

• A DSCR Ratio of 1 or higher indicates that a company is generating enough income to cover its debt payments.

• Lenders typically look for a DSCR Ratio of 1.25 or higher when evaluating a company's

Experienced Relationship Manager with a strong background in client relations and business development.

• Over 5 years of experience in managing client portfolios and fostering strong relationships

• Proven track record of exceeding sales targets and driving revenue growth

• Skilled in identifying client needs and providing tailored solutions

• Excellent communication and negotiation skills

• Previous experience in financial services

My favorite banking product is the high-yield savings account.

• I appreciate the competitive interest rates offered by high-yield savings accounts

• I value the ability to easily access my funds while still earning a good return

• Examples include online banks like Ally Bank or Marcus by Goldman Sachs

Working capital assessment involves analyzing a company's current assets and liabilities to determine its short-term financial health.

• Calculate current ratio (current assets / current liabilities)

• Analyze cash conversion cycle (CCC)

• Assess inventory turnover ratio

• Review accounts receivable turnover ratio

• Consider operating cash flow

I source new customers through networking, referrals, cold calling, and attending industry events.

• Networking: Building relationships with professionals in related industries to gain referrals.

• Referrals: Asking existing customers for recommendations to their contacts.

• Cold calling: Reaching out to potential customers via phone or email.

• Industry events: Attending conferences, trade shows, and seminars to connect with pote

Important financial ratios help assess a company's financial health and performance.

• Liquidity ratios measure a company's ability to meet short-term obligations (ex: current ratio, quick ratio)

• Profitability ratios assess a company's ability to generate profits (ex: return on equity, net profit margin)

• Debt ratios indicate a company's leverage and ability to repay debt (ex: debt to equity ratio, interest coverage ratio)

• Ef...read more