Karur Vysya Bank Assistant Manager Interview Questions and Answers

Q1. What are the sections handled by you?
Ans. 
I handle the sales, customer service, and inventory management sections.
• Sales - responsible for driving revenue and achieving sales targets

• Customer service - ensuring customer satisfaction and resolving any issues

• Inventory management - overseeing stock levels and ordering new products as needed
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Q2. How will you Process the Loan Proposal end to end?
Ans. 
I will process the loan proposal end to end by analyzing the applicant's financial information, verifying documents, assessing risk, and making a decision.
• Analyze the applicant's financial information to determine their creditworthiness

• Verify all necessary documents such as income statements, tax returns, and bank statements

• Assess the risk involved in lending to the applicant based on their financial history and curren...read more
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Q3. Balance sheet analysis?
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Q4. Different types of loan products?
Ans. 
Different types of loan products include personal loans, home loans, auto loans, and student loans.
• Personal loans: Unsecured loans for personal use, typically with fixed interest rates.

• Home loans: Loans used to purchase or refinance a home, with options like fixed-rate and adjustable-rate mortgages.

• Auto loans: Loans specifically for purchasing a vehicle, with terms based on the cost of the vehicle and borrower's credit...read more
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Q5. How will you arrive Dp?
Ans. 
I will arrive at Dp by utilizing my strong leadership skills, experience in team management, and ability to prioritize tasks effectively.
• Utilize strong leadership skills to guide team towards achieving goals

• Leverage experience in team management to delegate tasks efficiently

• Prioritize tasks effectively to ensure smooth operations
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Q6. How to arrive FOIR?
Ans. 
FOIR stands for Financial Obligations to Income Ratio, which is a measure of an individual's ability to manage their debt payments.
• Calculate FOIR by dividing total monthly debt obligations by gross monthly income

• A FOIR of less than 40% is considered healthy

• Lenders use FOIR to assess a borrower's creditworthiness
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Q7. Bank ratios
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Q8. Turn over method,cash budgeting method,Tandon committee method
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Preliminary Examination Multiple choice questions with 100 Ques in 60 minutes

Mains Exam with both objective and subjective part.

Q1. Diff b/w ATM Card amd Debit Card
Ans. 
ATM card is used to withdraw cash from ATM machines while debit card is used for online and offline transactions.
• ATM card is linked to a savings or current account while debit card can be linked to both savings and current accounts.

• ATM card can only be used to withdraw cash from ATM machines while debit card can be used for online and offline transactions.

• ATM card does not have a CVV number while debit card has a CVV n...read more
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Q2. How ur knowledge will help us
Ans. 
My knowledge will help in improving team performance, customer satisfaction and achieving business goals.
• I have experience in managing teams and ensuring their productivity

• I have knowledge of customer service and can ensure customer satisfaction

• I have a good understanding of business operations and can contribute to achieving business goals

• I am familiar with industry trends and can provide insights for improvement

• I hav...read more
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Q3. Ques from previous work experience
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Q4. Why you choose banking
Ans. 
I chose banking because of its stability, growth opportunities, and the chance to work with diverse clients.
• I chose banking because it offers stability and job security.

• I am attracted to the growth opportunities in the banking industry.

• I enjoy working with diverse clients and helping them achieve their financial goals.

• Banking allows me to utilize my analytical and problem-solving skills.

• I find the financial industry fa...read more
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Q1. They asked me to write about a general topic in a essay format to review my communication skill
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Discuss about the merits and demerits of plastic

Q1. General knowledge and communication
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Q2. Personal and research about the interview
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Q1. Share details of your previous job.
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Q2. Work is workship. Work are importance for me. Branch target are completed by me in previous job.
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