Jana Small Finance Bank Relationship Manager Interview Questions and Answers

Experience in Housing Loans and Micro Loans involves understanding client needs and providing tailored financial solutions.

• Client Assessment: Conduct thorough assessments of clients' financial situations to recommend suitable housing loan options.

• Loan Structuring: Experience in structuring micro loans for small businesses, ensuring terms are manageable for clients.

• Regulatory Knowledge: Familiarity with housing loa...read more

Work experience encompasses the skills and knowledge gained through professional roles, internships, and relevant activities.

• Developed strong client relationship skills while managing a portfolio of 50+ clients in my previous role.

• Gained expertise in financial analysis and reporting during my internship at a leading investment firm.

• Enhanced communication skills through regular presentations to stakeholders and tea...read more

A home loan is a financial product that allows individuals to borrow money to purchase or refinance a home.

• Home loans are typically secured by the property being purchased.

• They come with various interest rates, such as fixed or variable.

• For example, a fixed-rate mortgage maintains the same interest rate throughout the loan term.

• Home loans often require a down payment, usually a percentage of the home's price.

• Lende...read more

I acquire customers for home loans through networking, referrals, and targeted marketing strategies.

• Build relationships with real estate agents, financial advisors, and other professionals who can refer clients to me

• Attend networking events and industry conferences to connect with potential customers

• Utilize social media and online advertising to reach a wider audience and generate leads

• Offer special promotions or ...read more

CIBIL is a credit information company in India that maintains credit records of individuals and businesses.

• CIBIL stands for Credit Information Bureau (India) Limited.

• It is a credit information company authorized by the Reserve Bank of India.

• CIBIL collects and maintains credit records of individuals and businesses.

• These records include credit history, loan repayment behavior, credit card usage, etc.

• Banks and financ...read more

Cash handling involves managing and processing cash transactions in a secure and accurate manner.

• Receiving cash payments from customers

• Counting and verifying cash amounts

• Recording transactions in the system

• Preparing bank deposits

• Balancing cash drawers at the end of the day