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Credit risk factors include borrower default, economic conditions, and collateral quality, impacting lending decisions.
Borrower Default: The risk that a borrower fails to repay the loan, e.g., a business going bankrupt.
Economic Conditions: Economic downturns can increase default rates, e.g., during a recession.
Collateral Quality: The value and liquidity of collateral can affect recovery in case of default, e.g., r...
As a Relationship Manager, I possess extensive knowledge of products, focusing on client needs and tailored solutions.
Product Knowledge: I stay updated on the latest features and benefits of our financial products, such as loans and investment options.
Client-Centric Approach: I assess client needs to recommend the most suitable products, ensuring they align with their financial goals.
Market Trends: I analyze marke...
Joins in SQL are used to combine rows from two or more tables based on a related column between them.
INNER JOIN: Returns records that have matching values in both tables. Example: SELECT * FROM A INNER JOIN B ON A.id = B.id;
LEFT JOIN: Returns all records from the left table and matched records from the right table. Example: SELECT * FROM A LEFT JOIN B ON A.id = B.id;
RIGHT JOIN: Returns all records from the right t...
ICICI Home Finance is a subsidiary of ICICI Bank that offers home loans and related financial services.
ICICI Home Finance is a subsidiary of ICICI Bank, one of the largest private sector banks in India.
It offers home loans for purchasing, constructing, renovating, and extending homes.
ICICI Home Finance provides services such as loan against property, balance transfer, and property dossier.
The company has a wide ne...
I have experience in product sales and have successfully met sales targets in my previous roles.
I have a proven track record of exceeding sales targets by X% in my previous role.
I am skilled in building relationships with clients and identifying their needs to recommend the right products.
I have experience in creating and implementing sales strategies to drive revenue growth.
I am proficient in using CRM software t...
Our product sale includes a wide range of consumer electronics, home appliances, and personal care products.
Consumer electronics such as smartphones, laptops, and tablets
Home appliances like refrigerators, washing machines, and air conditioners
Personal care products including hair dryers, shavers, and electric toothbrushes
I will drive the business in ICICI HFC by implementing strategic sales plans, building strong relationships with clients, and continuously analyzing market trends.
Developing and implementing strategic sales plans to achieve targets
Building and maintaining strong relationships with clients and key stakeholders
Analyzing market trends and competitor activities to identify opportunities for growth
Providing excellent c...
Repo rate is the rate at which the central bank lends money to commercial banks for short-term periods.
Repo rate is set by the central bank to control liquidity in the economy.
It is used as a tool for monetary policy.
Higher repo rates discourage banks from borrowing money, leading to less money in circulation.
Lower repo rates encourage banks to borrow money, increasing liquidity in the economy.
For example, if the ...
ICICI Bank is a leading private sector bank in India offering a wide range of financial products and services.
ICICI Bank is one of the largest private sector banks in India
It offers a variety of financial products such as savings accounts, loans, credit cards, and insurance
ICICI Bank has a strong online and mobile banking presence for customer convenience
I have had competitive compensation packages in my previous organizations.
I have consistently received competitive salary and benefits in my previous roles.
My compensation package has included base salary, commission, and bonuses.
I have also received additional perks such as health insurance, retirement plans, and paid time off.
I applied via LinkedIn and was interviewed in Sep 2024. There was 1 interview round.
ICICI Home Finance is a subsidiary of ICICI Bank that offers home loans and related financial services.
ICICI Home Finance is a subsidiary of ICICI Bank, one of the largest private sector banks in India.
It offers home loans for purchasing, constructing, renovating, and extending homes.
ICICI Home Finance provides services such as loan against property, balance transfer, and property dossier.
The company has a wide network...
I have a proven track record of leadership, collaboration, and achieving results.
Proven track record of successful leadership in previous roles
Strong ability to collaborate with diverse teams and stakeholders
Consistently achieve results and meet goals
Experience in strategic planning and decision-making
Effective communication skills
I appeared for an interview in May 2025, where I was asked the following questions.
I have over five years of experience in relationship management, focusing on client satisfaction and business growth.
Developed strong client relationships, resulting in a 30% increase in client retention over two years.
Managed a portfolio of over 100 clients, ensuring personalized service and timely communication.
Implemented feedback mechanisms that improved client satisfaction scores by 15% within one year.
Collaborate...
I'm looking for a competitive salary that reflects my experience and the value I bring to the role.
Based on my research, the average salary for a Relationship Manager in this industry ranges from $60,000 to $80,000.
Considering my 5 years of experience and proven track record in client retention, I believe a salary in the range of $70,000 to $75,000 is appropriate.
I am open to discussing the full compensation package, i...
I applied via Recruitment Consulltant and was interviewed in Jul 2024. There were 2 interview rounds.
I will drive the business in ICICI HFC by implementing strategic sales plans, building strong relationships with clients, and continuously analyzing market trends.
Developing and implementing strategic sales plans to achieve targets
Building and maintaining strong relationships with clients and key stakeholders
Analyzing market trends and competitor activities to identify opportunities for growth
Providing excellent custom...
Total business in previous company was $5 million annually.
Annual business revenue was $5 million
Consistently met or exceeded sales targets
Implemented successful sales strategies to drive growth
I appeared for an interview in Jan 2025.
Normal basic marketing topics
I have relevant work experience in credit management, I am passionate about this role, and I excel in mock selling scenarios.
I have 3 years of experience in credit management at XYZ Company.
I am drawn to the Associate Credit Manager role because of my passion for analyzing financial data and helping clients improve their creditworthiness.
I have a proven track record of exceeding sales targets through effective mock sel...
I applied via Naukri.com and was interviewed in Dec 2024. There was 1 interview round.
Python programs and our expertise in Python.
I appeared for an interview in Mar 2025, where I was asked the following questions.
Joins in SQL are used to combine rows from two or more tables based on a related column between them.
INNER JOIN: Returns records that have matching values in both tables. Example: SELECT * FROM A INNER JOIN B ON A.id = B.id;
LEFT JOIN: Returns all records from the left table and matched records from the right table. Example: SELECT * FROM A LEFT JOIN B ON A.id = B.id;
RIGHT JOIN: Returns all records from the right table ...
I applied via Job Portal
I have 10 years of experience in team management across various industries.
10 years of experience in team management
Managed teams in industries such as IT, finance, and retail
Implemented successful strategies to improve team performance
Led teams through periods of change and growth
I have a Bachelor's degree in Business Administration and 5 years of experience in team management.
Bachelor's degree in Business Administration
5 years of experience in team management
My goodwill is the positive reputation and trust I have built with my team members through effective communication, support, and leadership.
Building strong relationships with team members through open communication and active listening
Providing support and guidance to team members to help them succeed
Leading by example and demonstrating integrity, fairness, and respect
Earning trust and respect through consistent action...
My self target is to continuously improve my leadership skills, foster a positive team culture, and achieve team goals effectively.
Setting clear and achievable team goals
Providing regular feedback and support to team members
Developing strong communication and conflict resolution skills
Leading by example and demonstrating a strong work ethic
Our product sale includes a wide range of consumer electronics, home appliances, and personal care products.
Consumer electronics such as smartphones, laptops, and tablets
Home appliances like refrigerators, washing machines, and air conditioners
Personal care products including hair dryers, shavers, and electric toothbrushes
I have experience in product sales and have successfully met sales targets in my previous roles.
I have a proven track record of exceeding sales targets by X% in my previous role.
I am skilled in building relationships with clients and identifying their needs to recommend the right products.
I have experience in creating and implementing sales strategies to drive revenue growth.
I am proficient in using CRM software to tra...
I applied via AmbitionBox and was interviewed in Sep 2024. There were 3 interview rounds.
An aptitude test is designed to assess what a person is capable of doing or to predict what a person is able to learn or do given the right education and instruction
Group discussion is a process of exchanging ideas and opinions among people on a particular topic
I applied via Approached by Company and was interviewed in Jul 2024. There was 1 interview round.
Recovery skills are essential for resolving conflicts and finding solutions in a professional setting.
Active listening to understand the root cause of the issue
Problem-solving to come up with effective solutions
Emotional intelligence to manage emotions and communicate effectively
Negotiation skills to find mutually beneficial resolutions
I appeared for an interview in Sep 2024.
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The duration of ICICI Home Finance interview process can vary, but typically it takes about less than 2 weeks to complete.
based on 126 interview experiences
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Rating in categories
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