ICICI Bank Deputy Relationship Manager Interview Questions and Answers

Q1. What is working capital
Ans. 
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
Ans. 
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. Based on Experience
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Q2. No of proposal procees
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Good communication skill and good knowlege about mu work and company

How to handle customers?

How to communicate and convince customers

Q1. Explain yourself
Ans. My self suchethan I am studied graduate in sdm college I participated many events My father is assistant manager mother is house wife i have a sibling
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Statistics tally Excel

Discuss about customer view and Bank views. Advantages and disadvantage, needs and wants customer

Q1. What about My self ?
Ans. I am A.Muthukaruppan, comes for aaviyour. I completed my graduation in B.com at Sarasvathi Narayanan college.
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Q2. What are the experience?
Ans. SBI life insurance for 6 months And SMC COOPERATIVE HOUSE BULLIDING SOCIETY LTD as a Customer relationship manager ( currently working) 7 months till now.
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Q3. What are needs to apply?
Ans. I am apply for relation Excutive officer for knowing about depth of customer view and and also helps to improve the our sector,And gaining more knowledge to build my career.
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Some of case scenario questions

Q1. How to handle angry customer
Ans. 
Listen to their concerns, empathize, remain calm, offer solutions, follow up
• Listen actively to their complaints without interrupting

• Empathize with their emotions and show understanding

• Remain calm and composed, avoid getting defensive

• Offer solutions or alternatives to address their issues

• Follow up with the customer to ensure their satisfaction
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Q2. What was your role in marketing?
Ans. 
I was responsible for developing and implementing marketing strategies to attract new clients and retain existing ones.
• Developed marketing campaigns to promote products and services

• Analyzed market trends and competitor activities

• Collaborated with sales team to generate leads and increase revenue

• Utilized social media and digital marketing channels to reach target audience
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