ICICI Bank Authoriser 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

The best opportunity in my opinion is to leverage technology to streamline operations and improve customer experience.

• Implementing a new CRM system to better track customer interactions and improve communication

• Introducing online banking services to make it easier for customers to manage their accounts remotely

• Utilizing data analytics to identify trends and opportunities for growth

• Investing in employee training and dev

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

I have extensive experience working as a Relationship Manager in the banking industry.

• Managed a portfolio of high net worth clients, providing personalized financial solutions

• Developed and maintained strong relationships with clients to ensure their financial goals were met

• Collaborated with internal teams to address client needs and resolve any issues

• Analyzed market trends and competitor activities to identify new busi...read more

I worked at XYZ Company as a Relationship Manager for 3 years.

• Managed a portfolio of high net-worth clients

• Developed and maintained relationships with clients to ensure satisfaction and retention

• Analyzed financial data to provide personalized investment recommendations