Jana Small Finance Bank Senior Relationship Manager Interview Questions and Answers

Q1. Previous experience
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Q2. Why joining indusInd bank
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78% of employees would recommend working at IDFC first bank to a friend and 81% have a positive outlook for the business.

Q1. Why do you want to join IDFC?
Ans. If you want to join a team that is passionate and able beyond the sum of individual capabilities you are at the right place.
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Q1. What are your career goals
Ans. Career goals are targets.things, positive situations related to your professional life that you have set your mind on achieving.
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Q1. What's the key role of relationship manager
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Q1. Mutual fund details
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Q1. Insurance selling pitch
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Q1. Questions on Professional experience
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Q2. How you will process a working capital loan and what are various methods.
Ans. 
Working capital loan processing involves assessing the borrower's financials and determining the appropriate loan amount and repayment terms.
• Assess the borrower's financials, including cash flow, revenue, and expenses

• Determine the appropriate loan amount and repayment terms based on the borrower's financials and creditworthiness

• Consider various methods of working capital financing, such as lines of credit, invoice fina...read more
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Q3. Definitions of DER, DSCR, and other financial ratios and it's importance.
Ans. 
DER, DSCR, and other financial ratios are important for assessing a company's financial health.
• DER (Debt-to-Equity Ratio) measures a company's leverage and indicates how much debt is used to finance assets.

• DSCR (Debt Service Coverage Ratio) measures a company's ability to pay its debt obligations and indicates the amount of cash flow available to cover debt payments.

• Other financial ratios like Current Ratio, Quick Rati...read more
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Q4. What are the Risk mitigation factors in credit appraisal.
Ans. 
Risk mitigation factors in credit appraisal
• Assessing creditworthiness of borrower

• Collateral evaluation

• Credit history check

• Industry and market analysis

• Financial analysis of borrower

• Loan structuring and covenants

• Regular monitoring and review
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Q5. Why you are choosing ICICI Bank, any specific reason
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Q6. Why you are leaving from your current organisation and what are reasons
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Q7. How you are assuming the future in ICICI
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Q8. Why should I consider you?
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Q1. About loans how do you find the customer
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Q2. Home loan details what we need documents and all
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Q1. How will you manage customer relations
Ans. 
I will manage customer relations by building strong rapport, addressing concerns promptly, and providing personalized solutions.
• Building strong rapport with clients through regular communication and personalized interactions

• Addressing customer concerns promptly and effectively to ensure satisfaction

• Providing personalized solutions to meet the unique needs and preferences of each client

• Seeking feedback from customers to
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Q2. How will you generate business from customers
Ans. 
I will generate business from customers by building strong relationships, understanding their needs, offering tailored solutions, and providing excellent customer service.
• Build strong relationships with customers through regular communication and personalized interactions

• Understand the specific needs and goals of each customer to offer tailored solutions

• Proactively reach out to customers with new products or services t...read more
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Q1. Tell me about your current profile
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Q2. What are your targets and achievements
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