Karur Vysya Bank Sales Executive Interview Questions and Answers

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?
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. Technical typing test
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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. What's the current Target ?
Ans. 
The current target is to increase sales by 20% compared to last quarter.
• Current target is to increase sales by 20%

• Target is compared to last quarter's performance

• Focus on achieving specific sales goals and metrics
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Q2. What are the achievement numbers?
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Q3. What are the various sourcing channel you look into?
Ans. 
Various sourcing channels include job boards, social media, employee referrals, recruitment agencies, and networking events.
• Job boards such as Indeed, Glassdoor, and LinkedIn

• Social media platforms like Facebook, Twitter, and Instagram

• Employee referrals from current staff members

• Recruitment agencies that specialize in sales roles

• Networking events and industry conferences
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Q4. What are the lead to prospect ratio in each channel?
Ans. 
Lead to prospect ratio varies by channel, typically ranging from 10:1 to 50:1.
• Lead to prospect ratio in cold calling may be 20:1

• Lead to prospect ratio in email marketing may be 10:1

• Lead to prospect ratio in social media advertising may be 50:1
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Q5. What's the conversion rate you had?
Ans. 
My conversion rate was 25%, meaning 1 out of every 4 leads resulted in a sale.
• Conversion rate is calculated by dividing the number of successful conversions by the total number of leads and multiplying by 100.

• For example, if I had 100 leads and 25 resulted in a sale, my conversion rate would be 25%.
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Q6. Detail discussion about product and rate.
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Q7. Scenario based questioning.
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Q8. Tell me your sales pitch?
Ans. 
My sales pitch focuses on highlighting the unique value proposition of our product, addressing customer pain points, and showcasing successful case studies.
• Start by identifying the customer's needs and pain points

• Highlight the unique features and benefits of our product that address those needs

• Share success stories and case studies to demonstrate the effectiveness of our solution
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