ICICI Merchant Service Team Lead Interview Questions and Answers

Reasoning, English, maths, banking

Q1. What is your background?
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Q1. Why you will to change your current job
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Q2. What is your 5 best skill
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Basic online English spoken, listening and written test of approximately 60 mins.

Q1. Why did you decide to join NAB?
Ans. 
I decided to join NAB because of its strong reputation in the industry and opportunities for career growth.
• NAB has a strong reputation in the industry for its commitment to customer service and innovation

• I was impressed by NAB's focus on employee development and opportunities for career growth

• I believe that NAB's values align with my own professional goals and aspirations
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Q2. What is your perspective of the term 'Risk'?
Ans. 
Risk is the potential of gaining or losing something of value.
• Risk is the uncertainty of outcome, whether positive or negative.

• It involves the possibility of harm or loss.

• Risk can be managed through various strategies such as risk avoidance, risk reduction, risk transfer, or risk acceptance.

• Examples of risks include financial risk, health risk, and project risk.
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Q3. What is the difference between secured and unsecured loan?
Ans. 
Secured loans are backed by collateral, while unsecured loans are not.
• Secured loans require collateral to secure the loan, such as a house or car.

• Unsecured loans do not require collateral and are based on the borrower's creditworthiness.

• Secured loans typically have lower interest rates due to the lower risk for the lender.

• Examples of secured loans include mortgages and auto loans, while credit cards and personal loans
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Q4. What skills do you think matches with this job role?
Ans. 
Some skills that match with this job role include strong communication, attention to detail, time management, and teamwork.
• Strong communication skills to effectively interact with colleagues and clients

• Attention to detail to ensure accuracy in tasks and projects

• Time management skills to prioritize tasks and meet deadlines

• Teamwork skills to collaborate with team members and achieve common goals
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Q5. Why interpersonal skills are important in an organization?
Ans. 
Interpersonal skills are crucial for effective communication, collaboration, and relationship-building within an organization.
• Interpersonal skills help in building strong relationships with colleagues, clients, and stakeholders.

• Effective communication is key to successful teamwork and project management.

• Conflict resolution skills are essential for handling disagreements and maintaining a positive work environment.

• Empat...read more
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Q1. Normal Details - Personal, Professional
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Q1. What Role and Responsibilities and asked about their organization, which they searching for
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Q2. About your Last Organization
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Q1. Technical round related to your resume
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Q1. Introduction, what is kyc
Ans. 
KYC stands for Know Your Customer, a process used by financial institutions to verify the identity of their clients.
• KYC is a regulatory requirement to prevent money laundering and fraud.

• It involves collecting personal information such as name, address, and identification documents.

• KYC also includes verifying the source of funds and assessing the risk associated with a customer.

• Failure to comply with KYC regulations can...read more
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Q1. Introduction, what is kyc
Ans. 
KYC stands for Know Your Customer, a process used by financial institutions to verify the identity of their clients.
• KYC is a regulatory requirement to prevent money laundering and fraud

• It involves collecting personal information and verifying it through documents like ID cards, passports, etc.

• KYC also includes assessing the risk of a customer to ensure compliance with anti-money laundering regulations

• Failure to comply ...read more
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Q1. Introductory session
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Q2. Reasoning for change of domain
Ans. 
I changed domains to pursue new challenges and opportunities for growth.
• Seeking new challenges and opportunities for personal and professional growth

• Interest in exploring different industries or sectors

• Acquiring new skills and knowledge in a different domain

• Passion for a specific field or industry

• Opportunity for career advancement or higher salary potential
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Q1. Operational KRAs
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Q2. Situational question
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Q1. Advance discussion on KRA and efficiency
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Q2. Action plan based on situation
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Q1. Experience with Power BI
Ans. 
I have extensive experience with Power BI.
• Created and maintained multiple dashboards for various departments

• Used DAX formulas to create complex calculations

• Integrated Power BI with other Microsoft tools like Excel and SharePoint

• Trained colleagues on how to use Power BI effectively
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Q1. CRS and FATCA compliance
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