ICICI Bank Corporate Accounts Manager Interview Questions and Answers

Q1. What were you looking last organisation.
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Q2. Banking products knowledge
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Q3. Customer handling, sales Banking products.
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Financial related. Banking related questions.

Q1. WHAT YOUR SKILL ,ABILITIES KNOWLEDGE
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Q2. ASK GENRAL QUATION ABOUT ORGANIZATION AND JOB REQUIREMENT
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Q1. What is working capital
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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
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Q2. What is DSCR Ratio
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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
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Q1. About myself work experience?
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Q2. What is the best opportunity of your opinion?
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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
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Q1. Tell me about yourself
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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
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Q2. What is your favourite banking product
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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
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Q1. Methods of working capital assessment.
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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
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Q2. How do you source new customer?
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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
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Q3. What are the important financial ratios and their implications?
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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
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Q4. Personal and educational background.
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Q1. Based on Experience
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Q2. No of proposal procees
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