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I applied via Referral and was interviewed in Feb 2024. There was 1 interview round.
LTV stands for Lifetime Value, which is the predicted net profit attributed to the entire future relationship with a customer.
LTV helps businesses understand the long-term value of a customer and make decisions on customer acquisition and retention strategies.
It takes into account factors such as customer acquisition cost, average purchase value, and customer lifespan.
For example, if a customer typically makes a $100 p...
DSCR stands for Debt Service Coverage Ratio. To check loan eligibility for a self employed non professional, you would typically calculate their DSCR.
DSCR is a financial ratio that measures a company's ability to cover its debt obligations with its operating income.
To calculate DSCR, you divide the company's net operating income by its total debt service.
A DSCR of 1 or higher indicates that the company generates enough...
CIBIL is a credit information company that provides credit scores based on an individual's credit history.
CIBIL stands for Credit Information Bureau (India) Limited.
It is one of the four credit information companies in India.
CIBIL collects credit information from banks and financial institutions to generate credit reports and scores.
Factors checked include payment history, credit utilization, length of credit history, ...
Eligibility for a salaried employee is checked by verifying their employment status, income level, and credit history.
Verify employment status through pay stubs or employment verification letter
Check income level through recent pay stubs or tax returns
Review credit history through credit reports from bureaus like Equifax or TransUnion
Repo rate is the rate at which the central bank lends money to commercial banks, while reverse repo rate is the rate at which the central bank borrows money from commercial banks.
Repo rate is used by the central bank to control inflation and liquidity in the economy.
Reverse repo rate is used to absorb excess liquidity in the market.
Repo rate is higher than the reverse repo rate.
Example: If the repo rate is 5% and the r...
KYC documents are documents required for verifying the identity of customers. PAN card is a KYC document.
KYC documents are Know Your Customer documents used for verifying the identity of customers.
Examples of KYC documents include Aadhaar card, passport, driver's license, and voter ID card.
PAN card is also considered a KYC document as it contains details such as name, date of birth, and photograph of the individual.
During a Personal Discussion with a potential customer, a Credit Manager will discuss the customer's financial situation, credit history, repayment capabilities, and any potential risks. They will observe the customer's communication skills, honesty, and willingness to provide necessary information.
Discuss the customer's financial situation and income sources.
Review the customer's credit history and repayment track rec...
I applied via Campus Placement and was interviewed before May 2023. There was 1 interview round.
Top trending discussions
RBI rates in India refer to the interest rates set by the Reserve Bank of India for lending and borrowing of funds.
RBI's key policy rates include the repo rate, reverse repo rate, and marginal standing facility rate.
These rates influence the borrowing and lending rates for banks and ultimately impact the economy.
For example, a decrease in the repo rate can lead to lower interest rates on loans for consumers and busines
Export finance refers to financial products and services that assist businesses in international trade transactions.
Export finance can include trade credit insurance, export factoring, letters of credit, and export credit agencies.
These financial products help mitigate risks associated with exporting goods and services to foreign markets.
Export finance can also involve currency exchange services to manage foreign excha...
The basic aptitude test conducted
A list of topics provided. The entire group unanimously picked up the single topic.
Important factors to consider when assessing a lending decision
Borrower's credit history and credit score
Income and employment stability of the borrower
Debt-to-income ratio of the borrower
Purpose of the loan and the borrower's ability to repay
Collateral or assets provided by the borrower
Interest rates and terms of the loan
I applied via Campus Placement and was interviewed before Jul 2021. There were 2 interview rounds.
IBPS type of exam , a little less hard
Be open to ideas and honest
I was interviewed before Jan 2023.
I applied via Referral and was interviewed before Mar 2023. There were 2 interview rounds.
I applied via Recruitment Consulltant and was interviewed in Jul 2024. There were 3 interview rounds.
Regional Head along with National Head
I applied via Campus Placement and was interviewed before Oct 2020. There was 1 interview round.
South Indian Bank's competitive advantage lies in its strong customer base, innovative products, and efficient operations.
Strong customer base with a focus on personalized service
Innovative products like SIB Mirror+ and SIB M-Pay
Efficient operations with a low cost-to-income ratio
Robust risk management practices
Strong digital presence with a user-friendly mobile app
Diversified loan portfolio with a focus on SMEs and re
I applied via Recruitment Consultant and was interviewed in Sep 2021. There were 3 interview rounds.
based on 3 interviews
Interview experience
based on 7 reviews
Rating in categories
Assistant Manager
511
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Manager
253
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Business Development Officer
137
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Branch Manager
127
salaries
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Business Development Manager
125
salaries
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South Indian Bank
City Union Bank
Federal Bank
Tamilnad Mercantile Bank