Karur Vysya Bank Business Development Associate Interview Questions and Answers

Q1. Knowledge in banking & sales marketing
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Q2. Customer handling & manage potential lead and increase business
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Q1. Tell me about your self?
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Q2. Why you chose sell job?
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Q3. Sell me the product/service.
Ans. 
Our product/service is a game-changing solution that will revolutionize the way you work.
• Our product/service is designed to increase efficiency and productivity.

• It is user-friendly and easy to use, saving you time and money.

• Our product/service is customizable to fit your specific needs.

• It has been tested and proven to deliver results, with satisfied customers worldwide.

• Our customer support team is available 24/7 to ass
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Business analyst ethics cannot go together.- offline GD- 7-8 students.

Q1. Questions related to family, about my district, what it is famous for, founder of my UG college, why you were so quite in GD, how will you handle aggressive customer if you are so soft spoken, ready to rel...read more
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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?
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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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