HDFC Bank Preferred Relationship Manager Interview Questions, Process, and Tips

Term loan is a fixed amount of loan taken for a specific period while OD is a flexible loan that can be used as per requirement.

• Term loan has a fixed repayment schedule while OD has no fixed repayment schedule.

• Interest is charged on the entire amount of term loan while interest is charged only on the amount used in OD.

• Term loan is ideal for long-term investments while OD is ideal for short-term cash flow needs.

• Examples...read more

I use the Chase Sapphire Reserve credit card.

• I chose this card for its travel benefits and rewards program.

• It offers a high sign-up bonus and earns points on every purchase.

• The annual fee is offset by the travel credits and other perks.

• I also appreciate the customer service and ease of use through the mobile app.

Eligibility for Working Capital is calculated based on various factors such as credit score, cash flow, collateral, and industry type.

• Credit score is an important factor in determining eligibility for working capital loans.

• Cash flow is also considered as it shows the ability to repay the loan.

• Collateral can increase the chances of approval and may also affect the interest rate.

• Industry type can also play a role in elig...read more

I handle work under pressure by prioritizing tasks, staying organized, and maintaining a positive attitude.

• Prioritize tasks based on deadlines and importance

• Stay organized by creating to-do lists and setting reminders

• Maintain a positive attitude by taking short breaks, practicing deep breathing, and seeking support from colleagues

• Communicate effectively with team members to delegate tasks and manage workload efficientl

Current client base consists of high net worth individuals and small businesses. Acquiring new clients through networking events, referrals, and targeted marketing strategies.

• Current client base includes high net worth individuals and small businesses

• Acquiring new clients through networking events

• Acquiring new clients through referrals

• Acquiring new clients through targeted marketing strategies