ICICI Bank Trade Desk 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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Reasoning, quantitative skills, and English language proficiency.

Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
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Q1. Based on Experience
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Q2. No of proposal procees
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Q1. No disscus.I not happy with working sbi wealth
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Q1. Previous company to present SBI wealth not good
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Q2. Mostly caste filling and locality I am personally experience in sbi wealth
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Q3. Condard base employee target torture
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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

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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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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