IndusInd Bank Territory Sales Manager Interview Questions and Answers

Q1. Tell us about yourself
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Q2. What is Cash credit and Over draft.
Ans. 
Cash credit and Overdraft are types of short-term borrowing facilities provided by banks.
• Cash credit is a type of loan where the borrower is given a credit limit and can withdraw funds up to that limit as and when required.

• Overdraft is a facility where the borrower is allowed to withdraw more money than what is available in their account, up to a certain limit.

• Interest is charged on the amount borrowed in both cases, b...read more
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Q3. What is the difference between cash credit and over draft
Ans. 
Cash credit and overdraft are two types of short-term borrowing facilities provided by banks.
• Cash credit is a type of loan where the borrower can withdraw money up to a certain limit approved by the bank. Interest is charged only on the amount withdrawn.

• Overdraft is a facility where the bank allows the borrower to withdraw more money than what is available in their account. Interest is charged on the overdrawn amount.

• C...read more
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Q4. What is the portfolio size you are handling now
Ans. 
I am currently handling a portfolio size of X
• My current portfolio size is X

• I am responsible for managing X number of products/clients

• My portfolio size varies depending on the region/territory I am handling

• For example, in my previous role, I handled a portfolio of 50 clients in the North region

• I am comfortable handling portfolios of different sizes and adapting to changing requirements
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Q5. Why do you want to change
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Q6. How can you make a difference and add value
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Q7. Is it ok for you to join at the given grade and location
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Q8. What is Currebt ratio and what is the acceptable ratio. What is leverage and how can this be calculated . What is the acceptable limit
Ans. 
Current ratio measures a company's ability to pay its short-term liabilities with its short-term assets. Leverage measures the amount of debt used to finance a company's assets.
• Current ratio is calculated by dividing current assets by current liabilities

• Acceptable current ratio varies by industry, but generally a ratio of 2:1 is considered good

• Leverage is calculated by dividing total debt by total assets

• Acceptable leve...read more
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