IDFC FIRST Bank Authoriser Interview Questions and Answers

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Q1. What is your family background?
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Q2. Share details of your previous job.
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Q3. Why should we hire you?
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Q4. Why are you looking for a change?
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Q5. What are your strengths and weaknesses?
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Q6. Tell me about yourself.
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Discussion on retail liability TPP income Assets products how part of profitability

Q1. How to handle big team Productivity staff wise
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Q2. Marketing activities
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Q3. Tracking monitoring staff wise data review on every alternate day
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Q4. Mis discussed with all staff to cover the gaps
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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
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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. About myself work experience?
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Q2. What is the best opportunity of your opinion?
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The best opportunity in my opinion is to leverage technology to streamline operations and improve customer experience.
• Implementing a new CRM system to better track customer interactions and improve communication

• Introducing online banking services to make it easier for customers to manage their accounts remotely

• Utilizing data analytics to identify trends and opportunities for growth

• Investing in employee training and dev
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Q1. Tell me about yourself
Ans. 
Experienced Relationship Manager with a strong background in client relations and business development.
• Over 5 years of experience in managing client portfolios and fostering strong relationships

• Proven track record of exceeding sales targets and driving revenue growth

• Skilled in identifying client needs and providing tailored solutions

• Excellent communication and negotiation skills

• Previous experience in financial services
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Q2. What is your favourite banking product
Ans. 
My favorite banking product is the high-yield savings account.
• I appreciate the competitive interest rates offered by high-yield savings accounts

• I value the ability to easily access my funds while still earning a good return

• Examples include online banks like Ally Bank or Marcus by Goldman Sachs
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Q1. Say something about you.
Ans. 
I am a dedicated and empathetic Relationship Manager with a passion for helping clients achieve their financial goals.
• I have a strong background in finance and customer service.

• I excel at building and maintaining relationships with clients.

• I am skilled at analyzing financial data and providing tailored solutions to meet clients' needs.
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Q2. Some banking related questions.
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Q1. Ask about previous organization and management.
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Q2. Package and notice period.
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Q1. Tell me about past experiences in detail.
Ans. 
I have extensive experience working as a Relationship Manager in the banking industry.
• Managed a portfolio of high net worth clients, providing personalized financial solutions

• Developed and maintained strong relationships with clients to ensure their financial goals were met

• Collaborated with internal teams to address client needs and resolve any issues

• Analyzed market trends and competitor activities to identify new busi...read more
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Q2. Salary expectation
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Q1. About experiences
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Q2. Knowledge on ratios
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Q3. Training skills
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Q4. MS office knowledge required
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Q5. Market knowledge
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