ICICI Bank Regional Credit Manager Interview Questions and Answers

I am a relationship manager with 5 years of experience in managing client relationships and providing financial advice.

• I have a Bachelor's degree in Finance from XYZ University.

• I have worked with ABC Bank for 3 years and gained experience in managing high net worth clients.

• I am skilled in financial analysis, risk management, and investment planning.

• I have a proven track record of achieving sales targets and building lo...read more

Banking offers a dynamic and challenging work environment with opportunities for growth and development.

• Banking is a constantly evolving industry with new technologies and products being introduced regularly.

• Working in a bank provides exposure to a wide range of clients and industries.

• Banking offers opportunities for career growth and development through training and mentorship programs.

• The role of a relationship manag...read more

I have the necessary skills, experience, and passion to excel in this role.

• I have a proven track record of building and maintaining strong relationships with clients.

• I am highly organized and able to manage multiple tasks and priorities effectively.

• I am a skilled communicator and able to effectively convey complex information to clients.

• I am passionate about helping clients achieve their financial goals and am committe...read more

Marketing is the process of promoting and selling products or services to customers.

• Marketing involves identifying customer needs and wants

• Creating a product or service that meets those needs

• Promoting the product or service through advertising, public relations, and other channels

• Sales approach involves building relationships with customers

• Understanding their needs and providing solutions

• Cross-selling involves identify...read more

Yes, I have prior banking experience.

• I have worked as a Relationship Manager at XYZ Bank for 3 years.

• During my time at XYZ Bank, I successfully managed a portfolio of high net worth clients.

• I have a strong understanding of banking products and services, including loans, investments, and wealth management.

• I consistently met and exceeded sales targets, contributing to the bank's growth and profitability.

• I am familiar wit...read more

I can process around 20-25 cases on a daily basis depending on the complexity of the cases.

• The number of cases processed depends on the complexity of the cases.

• On average, I can process around 20-25 cases per day.

• I prioritize cases based on their urgency and importance.

Our approval rate is 85% and delinquency rate is 5% for the current product.

• Our approval rate is higher than industry average.

• We have strict credit checks in place to maintain low delinquency rate.

• We continuously monitor and analyze our approval and delinquency rates to make necessary adjustments.

• For example, we recently increased our credit score requirement to reduce delinquency rate.