ICICI Bank Credit Card Sales Executive Interview Questions and Answers

Q1. Screening,Hr round then technical
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Q2. 1.tell me what is not in your cv? 2.what is credit card and work pressure?
Ans. 
I have not mentioned my experience in handling difficult customers in my CV. Credit cards involve high work pressure.
• My experience in handling difficult customers has not been mentioned in my CV.

• Credit cards involve high work pressure due to targets and deadlines.

• The job requires constant communication with customers and meeting sales targets.

• Handling customer complaints and resolving issues is a crucial part of the jo...read more
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IBPS takes test moderate to high

Q1. Assessment of working capital
Ans. 
Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
• Calculate working capital by subtracting current liabilities from current assets.

• A positive working capital indicates the company has enough assets to cover its short-term debts.

• A negative working capital may signal financial trouble and the need for additional fu...read more
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Q2. Why do you wan tot join banj
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Self intrusion, About study

Credit card features and benefits

Q1. What is banking sector
Ans. 
Banking sector refers to the industry that provides financial services such as accepting deposits, lending money, and facilitating transactions.
• Banks are financial institutions that offer services such as savings accounts, loans, and credit cards.

• The banking sector plays a crucial role in the economy by providing liquidity and financial stability.

• Examples of banking institutions include commercial banks, investment ban
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Q1. How to convince New customer
Ans. 
Convince new customers by highlighting benefits, offering incentives, providing excellent customer service, and building trust.
• Highlight the benefits of the credit card such as rewards, cashback, and travel perks.

• Offer incentives like sign-up bonuses, 0% APR introductory rates, and waived annual fees.

• Provide excellent customer service by being responsive, helpful, and transparent.

• Build trust by showcasing positive cust...read more
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Q2. What about card features
Ans. 
Card features are essential for attracting customers and providing value.
• Card features should align with customer needs and preferences

• Competitive rewards programs can attract and retain customers

• Security features like fraud protection and alerts are crucial for customer trust

• Concierge services and travel benefits can differentiate a card in a crowded market
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Q3. What is card protection plan
Ans. 
A card protection plan is a service offered by credit card companies to protect cardholders from unauthorized transactions, fraud, and theft.
• Provides coverage for unauthorized transactions on the card

• Offers protection against fraud and theft

• May include services such as card replacement and emergency cash advance

• Typically involves a monthly or annual fee for enrollment
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Q4. Before experience in credit card job role
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Q5. Are you interested in banking sector
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Q6. Why are you select this job
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Selling and calling to talk customer

Q1. Type of Charge?
Ans. 
Type of charge refers to the nature of the financial obligation, such as fixed or floating charge.
• Type of charge can be fixed or floating.

• Fixed charge is a specific charge on particular assets of a company, while floating charge is a charge on a class of assets that change from time to time.

• Examples of fixed charges include mortgages and debentures, while examples of floating charges include inventory and accounts rece...read more
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Q2. What is the role of CERSAI portal?
Ans. 
CERSAI portal is a centralized platform for registering and maintaining security interests created by lenders on movable assets.
• CERSAI stands for Central Registry of Securitization Asset Reconstruction and Security Interest of India.

• It helps in creating a central registry of security interests on movable assets to prevent fraud and improve transparency in lending.

• Lenders are required to register their security interest...read more
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Q1. Tell me about your previous assigmenment
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Q2. Technical are raised
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200 questions set of test including apt reasoning

Q1. About your self from where belong qualification
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Q2. Question from academics
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Q3. Question from various answer
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Q4. Question regarding accountancy and knowledge about banking industry
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Written Entrance Exam for officer with subjects English, Logical Reasoning, Mathematics, General knowledge and Banking Awareness with Current Affairs and Computer Science. I was Selected in Merit. Got 54th Rank in Gen Category

Q1. Interview was all about my Past experience and my previous job profile as I was already working in Banking Sector prior to joining in SBI. Based on my experience and satisfactory answers to the questions a...read more
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Q2. What is Turnover Method? What is Second Method of Lending? How to process a Working Capital Loan? How did you canvassed Current account in your previous organisation? Why you want to Join SBI?
Ans. 
Turnover Method is a method used by lenders to evaluate a borrower's creditworthiness based on their annual sales turnover.
• Turnover Method involves calculating a borrower's credit limit based on a percentage of their annual sales turnover.

• Second Method of Lending involves assessing a borrower's creditworthiness based on their financial statements, cash flow projections, and collateral.

• Processing a Working Capital Loan ...read more
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